Mother-In-Law refuses to get life insurance

swingaloo

Poor woman, you can tell you have great affection for her:(

Hopefully she has picked up on the fact that you are going to see her off in the cheapest way possible and that you resent the fact that you have to do it at all.

Perhaps that why she's refusing to get cover, I hope so anyway.

Its your wife mother for Gods sake, does your wife not have any kind feelings for her own mother?

GobbledyGook

Why are people being hard on the bloke? Yes it might seen harsh to be upset with an unwell woman but they can't afford a bill they are likely to get landed with and he's annoyed that the situation could have been avoided. Surely that's understandable?

Look at it the other way - MIL has taken no steps to ensure her family won't get landed with a huge bill that they can't afford despite it being discussed with her.

OP I don't want to make a bad situation worse, but where did you get your figure of £500-£1000 from? My father's funeral was the most basic of basic funerals (no cars, no flowers, no minister, cremation without any fanfare) and I know it cost over £1500.

Gloomendoom

kelpie35 wrote: »

Not too sure about this, but is it not down to the person who arranges the funeral, that has to pay.

In my (first hand) experience, the bill from the funeral directors goes to the person who arranges the funeral. It is up to them to claim the money back from the deceased estate... if there is any.

£1000 is very cheap BTW

BitterAndTwisted

Family members cannot be compelled to pay for funeral expenses. That needs to be met from the deceased's estate. If there's no money in the estate then the Council will have to pick up the bill, regardless of who is on benefits or not. Not that the Council will try to persuade family members otherwise.

If she's been ill for some time any insurance premiums could be prohibitive. Still, that's the MIL's choice and no-one else's.


EDIT: How to avoid getting entangled? Don't be named anywhere as next-of-kin and don't claim her body from the mortuary once the inevitable happens.

victory

BigYin wrote: »

Hi all

Don't know if this is the right forum for this but here goes,
My mum in law refuses to get life insurance even though it has been discussed with her before. She has been very ill for quite some time now and I have done a little research online to see who picks up the bill for her funeral expenses. She has 3 children and my wife is the only one not on benefits and it looks like my wife would this get a bill from the state for the costs, unless she is estranged.

Now this may seem harsh but I am totally disgusted with her attitude through out the years over this and was wondering if my wife and I are over a barrell with this or is there anything that can be done to avoid paying up for her? We can't afford a £500-1000 bill even for a rock bottom funeral. Is it possible for us to take out life insurance for her? I doubt anyone would take her on though as she is in an out hospital a lot these days.

Thanks

It does seem a bit harsh that your wife's mother is facing a massive loss in her life and all you can think about is who is footing the bill for the funeral:eek:

I have never actually heard of a funeral being that cheap, please put the link up, seems very cheap.

BigYin

The council will pick up the bill and try to reclaim it from any of the children who are not on a qualifying benefit which would grant exemption.

The £500-£1000 cost is for council disposal of the body, not a funeral as such.

This is simply a case of inability to pay and wondering what will happen. Please don't make assumptions about the back story, I am no monster.

meer53

My MIL died last June.

Basic funeral, no church service, just small gathering at Funeral Directors, no cars, no food or drink. Funeral Director took her to the crematorium afterwards. Cost - £3400

Extra cost for putting ashes into an existing grave, still to be done ! Approx another £300

victory

BigYin wrote: »

The council will pick up the bill and try to reclaim it from any of the children who are not on a qualifying benefit which would grant exemption.

The £500-£1000 cost is for council disposal of the body, not a funeral as such.

This is simply a case of inability to pay and wondering what will happen. Please don't make assumptions about the back story, I am no monster.

People rightly or wrongly are going to make assumptions about the back story when you write 'the £500-£1000 is for council disposal of the body' comes across as very cold when your MIL is not even deceased yet and this is your wife's mother you are talking about getting disposed by the council, yikes

BigYin

victory wrote: »

People rightly or wrongly are going to make assumptions about the back story when you write 'the £500-£1000 is for council disposal of the body' comes across as very cold when your MIL is not even deceased yet and this is your wife's mother you are talking about getting disposed by the council, yikes

Yes I see your point but I'm just trying to get the facts about this, unless I can explain the cold facts then how do I get an answer?

POPPYOSCAR

Why not just bury her in your garden?

Would save a huge amount of expense.