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

nobler

If the NHS had to provide 12 days of hospital care to cover for inadequate private health facilities then maybe he should consider donating the payout to an NHS charity! Just to be clear, I mean from a moral standpoint not a legal one.

tindella

He didn't have to include his mother on his policy - so that was generous of him - and therefore, any money coming back is his.  As a mum, if my son had done that for me, I wouldn't dream of expecting to make money from him.

[Deleted User]

Good for him, he pays for the benefits, he should receive them.  His mother is ungrateful, she doesn't make any financial contribution, why should she receive any?  She received the treatment she was entitled to, and, thanks to him, probably earlier! Would she have given him anything if she had received private health care at his expense?

silvercar

tindella said:

He didn't have to include his mother on his policy - so that was generous of him - and therefore, any money coming back is his.  As a mum, if my son had done that for me, I wouldn't dream of expecting to make money from him.

How was it generous of him? It didn't cost him anything! imagine the reverse, he has the opportunity to add his Mum to his health insurance for zero cost, yet he chooses not to. That would be morally wrong.

In fact, by doing so he has enabled his mum to be seem quicker should the need arise and therefore be less dependent on him if she had  a problem.

silvercar

[Deleted User] said:

Good for him, he pays for the benefits, he should receive them.  His mother is ungrateful, she doesn't make any financial contribution, why should she receive any?  She received the treatment she was entitled to, and, thanks to him, probably earlier! Would she have given him anything if she had received private health care at his expense?

He also doesn't make any financial contribution. 


Consider flight delay compensation for a family, the parent(s) would have paid for the flights yet the young children are entitled to the compensation for the delay.

scher

No he shouldn't share, it's his policy which he pays for. He added his mother to it so she can feel free of worry if anything drastic were to happen but unless she's contributing to the cost of the policy then he gets it all.

OwlishAgain

He's paying £200/m for a policy. His mother has had the benefit of that at zero expense. The amount he has received equates to only 6 months of the premiums he has paid out. I can't imagine asking my son for compensation money after receiving free treatment at his expense. 

*Cherry*

If the son did not have the insurance cover, no-one would have received any money.  If the mother wasn't in hospital, no-one would receive any money.  If the mother were treated privately there would be no payout, but she would have directly benefited in quicker / more comfortable treatment.   Unless the agreement between son and mother had a condition that he would receive any payout in lieu of payment for the benefit, I would say split the payout 50/50.

That said - it really comes down to what the 2 directly involved parties decide is best for them.  If I were the son, I would say it is mums money, if I were the mother I would want the son to have it as a thank you for insuring me.

Groom

He pays £200 a month for the insurance and has added her out of the goodness of his heart. Had there been room in the private hospital, she would have gone there and had all the advantages offered. As it was, she received the same treatment she would have had without the insurance. The compensation was for not having private treatment, which she hadn't paid for anyway! Legally and morally the money is his as he's the one who has paid the insurance. 

dashboard

His mum had to make the claim as she is on the policy it's costing him no more the money should be hers or is he just using her to gain for himself. If it was me I would be asking for my name to be removed or refusing to submit any more claims on his behalf.