Money Moral Dilemma: Should my son share insurance payout from his mother's hospital stay with her?

gloriouslyhappy

Legally the money belongs to the son, and will cover six months worth of premiums. But as his mum did the paperwork, it would be nice if he bought flowers or made some tangible gesture of appreciation - would he have claimed and done the paperwork if she hadn’t?

Either way, a gesture would be welcome.

pallyman

No,his mum got sorted quicker & benefits from further cover,.He pays £200 per month which the £1200 is 6 months payments going forward & his payments may rise now.but some chocs & flowers would be nice

maddogwoman

I would have given my mum all of it, just wish she was still alive to have to worry about it! Yes he paid the premiums but he would still have paid them if she had claimed or not. My mum was in the same position with her cateract surgery.  I got the pay out for her NHS stay, but she had to endure the NHS hospital which was a nightmare. Least I could do was give her a bit of money to help her out and make her life a little bit better.

RS156

Morally the sons actions are questionable to me. He added his mother onto his policy for free, no cost to him and no change to his own cover etc which is presumably still there for him when he needs it?

It's the person who is claiming on the policy, the mother, who has had the infected leg, treatment and hospital stay. The compensation is for HER to compensate her for this less than ideal experience, and any extra costs that she may have incurred with this (let's not pretend that when you're in an NHS hospital vs a private hospital, the care is different. I've experienced both and in the NHS hospital you spend more on food, drinks and fuel for family to visit - to care for you essentially!)

This compensation is for his mother/whoever cared for her. The son is not my cup of tea. Yes legally he can keep it. But who'd do that? This didn't effect him. He was prob getting on with his own work and family life and popping in for a visit. Although of course if he contributed to care/food/fuel/parking then there could be a proportionate amount from the award that would help compensate that for him too.

Edited to add: I actually really can't get over the fact that the son wants to financially benefit from his own mother being in hospital for 12 days... And so many people think this is fine... 😱

Grouchiest

It must be the first time the NHS was able to treat someone before the private health sector could.   Frankly she is fortunate . Firstly she was treated, and I assume recovered well. Secondly she continues to benefit from the cover her son provides through his premium.  The least she can do is fill in the form to help him recover some of his outlay.  The least he can do is share the benefit with her. She’s his mother not some line on his account

LP53

If my son added me onto his private medical insurance policy I would be so grateful especially as he was paying 200 pound per month. I would even contribute to the cost. There’s no way that I would think for a minute that I was entitled to any money claimed.
i really don’t understand why you think the mother should have anything. If it was her idea to claim maybe he could treat her but if she’s only filled in paperwork then no! He’s done her a favour adding her.

fizzking

marcia_ said:

 I would say he is right, he paid he benefits. Would be different if she had contributed. 

I concur.A small gift might be in order

neilmorgan

The money should be hers but only after her % of the subscription to the policy is subtracted and with the agreement that she will contribute in the future. There may be other undisclosed reasons why she should get more or less.

Southendormargate

He pays for her to receive special care and she has the nerve to ask to be paid for it. 

Moneysaver270

Why should the son profit from his mother’s ill health? He should pass the money on to her. He hasn’t paid any extra for her cover, so can’t use this as a way to claw back his premium.