Chapter 6 - Insurance

Before long there was another bump in the road, nearly 8 or 9 months after leaving her job due to her illness the mom was facing the fact that her employer could no longer pay her or pay for her medical insurance. They had to unfortunately find a replacement for her position and pay for those benefits for their new employee. They'd held off as long as they could in hopes that she would return in some form, but it had become clear that wasn't going to be possible. When the news hit the husband he was very upset. He went on a tirade on how they said they would take care of her and how they were liars. Everyone was understandably upset, no one wanted this to jeopardize the moms treatments and her losing her health insurance could do that.

Their mom was sad and scared, but she understood. She was so very grateful for all her company had done for her all those months. They were even willing to help her look for a policy that was just as good if the husband wasn't able to put his wife on his plan. They had also taken it upon themselves to offer to help facilitate the transfer. They were there to answer any and all questions the family had.

Having this new problem thrown at him was not okay with the husband. He was visibly angry and stressed about having to take on the burden of putting his wife on his work's medical insurance. He said having to put his wife on his insurance would mess with his taxes.(Remember he had them always file separately with different addresses.) He didn’t want the addition of his wife to cause him to get audited by the IRS. He was really paranoid the IRS was going to catch up to him and freeze his bank accounts.

He asked the daughter who still worked at the same company as her mom to see if there was anything they could do to keep her insured with them. The things he was wanting the daughter ask put her in a bad position and made her feel uncomfortable. He was asking her to constantly keep asking them what if he did this or what if they did that, could she still be covered. It was a lot of what ifs that didn't make sense and the daughter knew the answers to the questions without even asking. She’d already asked if there was anything that could be done for her mother multiple times, she’d even offered to give up her own medical insurance to cover the cost to keep her mother insured. She was told that because they were such a small company there was nothing that could be done. The whole situation sucked and worried everyone.

The husband having to hear that there was nothing they could do did not sit well with him and he had no shame bad mouthing the mom's company that had helped when they didn't have to for almost a full year, but all that was already been lost on him. Once he was given an answer he didn't like it was as if no good had ever been done. That was how he'd been with everything, not just this situation.

During a conversation at the mother's house a week or so later the husband made a remark that adding his wife to his insurance was going to be expensive and he didn’t know where that money was going to come from. He even said it would help him out a lot if the youngest daughter would pay half or at least some of that cost. Hearing the husband ask that was unbelievable. It was unbelievable because once again HE HAD MONEY! He had over 100,000 in the bank and safety deposit box that wasn’t including the mother’s 35,000 in her own bank account.

They had also filed for social security disability benefits and hired an attorney to speed up the process. They didn't want to take the chance of wasting time being denied before getting accepted. They were charged 800.00 and she'd been accepted in under 2 weeks. It was money well spent. She’d been approved for a little over 1,200 a month which was less than she was getting paid working, but it was still steady income coming in. So when he acted as though he was poor and had no money it really bothered the daughter. The crazy thing was he knew she of all people was aware of how much money they had. They'd always made her privy to all that information and she did have 67,000 of their money in a box in her name.

The fact that he would even ask her something like that bothered the daughter because he knew she didn't really have extra money to give. She had to pay for her own monthly bills and pay for her daughter who was in college. Did he want her to feel guilty for having to tell him she couldn't afford it? She just acted as if she hadn't heard him. It really wasn't that surprising though. He was always about spending as little out of his pocket as possible. Getting others to pay for things had always been how he operated. Her mother getting sick had only increased his openness about doing it.

Once again it needs to be said, he and her mom saved money the majority of their lives for instances like this and yet again he was not willing to spend any of that money.

One afternoon while the youngest daughter was spending time with her mom the husband came home and there was no denying he was upset. The wife asked him what was wrong to which he snapped at her that he was fine. Both mother and daughter tried to ignore his bad attitude, but after a few minutes they knew it wasn't going to be possible.

He began pacing back and forth in their small bedroom saying to let him be, that sometimes he gets frustrated and with everything going on he was entitled to be upset. He went on to say he was having trouble getting the mom put on his insurance and again that it was going to be expensive adding her and where was the money going to come from since she was no longer getting paid. (He wasn't having trouble, he just didn't want to actually get it done because he was worried about the IRS.) This was not the first time he threw those same words in the mom's face. He was constantly talking down to his wife lately. Some of the things he would say would cause the mom to cry. He'd been taking his frustrations out on her a lot and that wasn't okay with the daughter.

At times it felt as if he did it just to be able to console her later. That it made him feel good to talk about how bad things were just so that five minutes later he could tell her everything would be alright, that he’d do everything he could to make sure things were okay. Then he’d bring up how many people he knew that had died from the same cancer she had. Why do that? Why remind your sick wife that she too would not survive her cancer? Why did he think putting those thoughts in her head was okay? When those types of conversations came up he often brought up Alex Trebek, letting her know when he wasn’t doing good and in the hospital. It was like he was comparing the two and their same cancer diagnosis. It made no sense.

The husband didn’t seem to care that her daughters were in the room when he would say those things to their mom. It was those actions and conversations that often caused arguments between him and her daughters. There was no way that they would allow him to speak to their mother that way. When he was called out on his behavior and knew he looked bad he'd just say,"You're right, you're right. I'm sorry, it won't happen again." As if saying he was sorry after the fact made his behaviors okay.

The mom began sobbing after yet again having to hear that she was not doing her part to help pay for all the extra bills that they had because of her cancer. She cried and repeatedly said she was sorry for being a burden. That was all it took for the daughter to once again get angry at the husband. She stood up from the bed where she’d been laying with her mom and told the husband to stop. With a raised voice she repeated he needed to knock it off. She asked if he saw what he was doing to his wife. She pointed at her crying mother laying on the bed wiping away her tears. She looked so tiny and fragile laying there crying.

Oh did that make the husband mad. He told the daughter to be quiet and not to raise her voice in his house to which the daughter said she would do what she wanted when it came to protecting her mom. That in no way was it okay for him to come home and start an argument and make her mom cry. He said he would do what he wanted in his house. That he could say what he wanted in his house. He went on to say no one knew what he had to deal with because the wife’s shitty job decided to take her off their insurance. The daughter stood up for her company and said they had gone above and beyond for her mom and he should be appreciative and not ungrateful.

Hearing that only furthered to anger the husband. In that moment you could tell he hated her job because it was they who were causing him all this stress. He failed to see that he was the reason he was so stressed. Had he not been greedy with his money all these years he wouldn't have illegally filed his taxes and he wouldn't be worried about being found out now. He began to say that he could care less about the company and they could take the mom off their insurance that day for all he cared, that he didn’t appreciate a damn thing they’d done and he wasn’t going to get down on his knees and beg for shit from anyone. That he was tired of everything and everyone.

The daughter asked him if he could hear himself and how ugly he sounded. He said he didn't give a shit how he sounded and if she didn't like it she could leave, that she needed to remember she was in his house.

The daughter yelled that she knew exactly where she was, it was her mother's house too and that he needed to stop talking about money in front of her mother, to look at what he was doing to her. She again, pointed at her crying mother for emphasis. He didn't seem to care one bit that he made his wife cry. The daughter went on to say that she would always stand up for her mother no matter what the husband said. At that point in the argument the wife got up from bed and tried to get the two to calm down, but the husband wasn't having it. He continued to talk about how everyone took advantage of him and how everyone borrowed money from him and never paid him back.

He yelled that the daughter needed to remember the favor he did for her a few years prior that she still owed him for. The favor he was talking about was when her mother, not him, helped her get a better deal on her new car. She'd co-signed to help lower the interest rate. Never was it agreed upon that that favor from her mom would cost her any money. It had however been brought up later by the husband that because they were taking a risk of bad credit with the mom signing they should be compensated. He figured 2,000 was a good amount to charge and he told her she could pay him at the beginning of the year with her income tax refund. It was a ridiculous request, both she and her mother agreed that money was not to be paid and would never be paid, but in his mind it was the least she could do. And when that man had something in his head no matter what anyone said, that was the way it was going to be.

The husband said that if it wasn't for him allowing her to do it, it wouldn't have happened and that she needed to pay him 2,000 for that favor. He was seriously still trying to get money from her for that damn car from years ago. The daughter yelled that it had nothing to do with him and she never agreed to paying him anything. His response was that he didn't care where she got the money she just needed to pay him and pay him now. The daughter told him he was ridiculous and she wasn't going to pay him anything.

That was enough for the husband, the fact that the daughter refused to give him money sent him over the edge. He spat out that she needed to get out of his house. That he didn't want her there and she was no longer allowed to come over ever again. He repeated that she needed to get out now and if she didn't leave that second he would call the police on her. The mother took that time to scream and leave the room and go down the stairs yelling that she hated everyone for the way they were acting. The daughter decided things weren't going to get any better so she left the room and made her way towards the door saying that he didn't need to worry because she was so done with him, that she’d been done with him for a long time. He then began to follow her saying not to think he didn't know what she was doing. That he knew all about what she said about the life insurance policy change. He called her a liar before he slammed the door behind her.

Two times.

He had now kicked her out two times and in his eyes he'd done nothing wrong either time. How much more was she supposed to take from that man? She and her mom had been having a good time before he got home in a bad mood and ruined it all. But he wouldn't see it that way. Nope, nothing was ever his fault.

The daughter was angry as she called her sister and told her everything that just happened and to please go over and check on their mom. That she’d been crying when she was kicked out. While on the phone with her sister the husband began calling constantly to which went unanswered. He then came over and banged on her door and told her to come quick that her mother couldn’t breathe and he needed help. Both sisters hurried over to see their mother crying and in the middle of a severe panic attack. She couldn’t breathe but kept trying to say how everything was so messed up and how she was sorry for everything. She was blaming herself for everything. She continued to say she was sorry for getting sick and being a burden on everyone. That she didn't want to see her family fighting like this. It was heart breaking. They'd never seen their mom like that and they weren't sure how to fix it.

Her husband said he was sorry and that he knew everything was his fault, he knew everything that happened was unnecessary and he should never have come home yelling at everyone. The daughter said it wouldn't happen again. She said she was sorry and that nothing was the mom's fault. She told her that she had nothing to be sorry about. The next hour was spent trying to calm the mother down and reassuring her that that would never happen again. Fighting in front of her like that wasn't healthy and it only made things worse.

Everyone promised that it would be okay and spent time just laying and talking trying to make sure the mother felt better. That was the last time any of them argued like that in front of their mom. She was too important the them and it was unfair to her to be put in the middle.

That day and everything that happened would forever be seared into both daughter's minds. That day the husband had gone too far. The look on their mothers face and all the tears she shed all due to him coming home in a bad mood because he still didn’t want to add his sick wife to his insurance was too much to forgive. The show he put on to let everyone know he was the boss that day would stay in their minds forever. Anything they did from that point on having to do with the husband would only be for their mother. The line had been crossed and there was no turning back.

**It later came to light that when the husband spoke to several family members of the daughters about that day he left out all the horrible things he'd said and done. He complained that the daughter came over and picked a fight with him and upset her mom. He told these same family members that she was the reason the mom cried that day. He said that he HAD to kick the daughter out because there was nothing else he could do to stop her from upsetting his wife. There was no mention of his threat to call the cops. He simply blamed everything on the daughter. Hearing his false and deceitful version of that day is one of the many reasons why this story had to be told. There as no telling how many other lies were being said.

Start Chapter 7 - A Few Good Days