When to tell hubby -- finances

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#1
Hubby has been recovering from a massive heart attack -- including two surgeries, one for stents and one to replace a valve -- since November 21. He's still in the ICU, but he's slated to go to rehab next week. He's just to the point of asking, "What happened to me?"

Sooo, financially speaking we make it month to month if nothing goes wrong. God has been gracious enough to have the VA Hospital pick up the tab for all this up to this point. And he was gracious enough to give us the money needed to give hubby new dentures when he gets out of rehab. (Gift from my dad.) So, the only thing we're worried about -- until today -- is which rehab? If hubby goes to the VA rehab, it will still cost us nothing. If he goes to any other rehab, after 21 days, (and no way is hubby going to be fit enough to come home in such a short time), Medicare kicks in and we have a copay of 20%.

The VA rehab is really a nursing home with one wing for short-term rehab, so the only way hubby ends up in there is by God's abilities.

Hubby knows all this. He doesn't know the rest, because the rest just landed on me about half an hour ago when I opened the mail. Two envelopes and all this just landed on my lap. I'm asking if I should tell him.

1. Just got a bill for $3750 for the oral surgery that removed all his teeth in the last hospital. After momentarily freaking, I called them up. They wouldn't let hubby go back to VA unless they had this done, because that's what the VA said. So, to me, that's between the two hospitals to dicker over. Not us. After I corrected the guy on the phone -- hubby's first health insurance plan is the VA, the second is Medicare -- he told me he'd fix that and ignore that bill. Happy to, except I've learned from other health problems that just because the first person says "ignore it," it doesn't always stay "ignored."

2. Trip and Fall lawsuit. Undisclosed how much the person wants, but, apparently she tripped in front of our house. Don't even know how bad it was other then I was home, no knock on the door, no noise, and no ambulance. (I can keep up with where I was 18 days ago, because I've been giving updates on hubby in Prayer Request all this time. lol) Her lawyer wants me to fill in paperwork and send it to him. I'm not that kind of fool. I'm not rich enough to get my own lawyer either. I don't know where I land on the culpable part though. So, I called our insurance company, who, of course, isn't at work on weekends.

I have always been in charge of bills. If we buy something over $25 for ourselves, it's a group decision. Hubby gets nervous over filing taxes and paying large bills, so I do it. (And, "large bills" to us, is anything over $150. lol) After I pay bills, I tell him how much money we have to last us to the end of the month. So, I don't hold back on telling him financial stuff. Only in the last couple of months have I held back on telling him anything. (Dad went south with his dementia during this time and it was horrible. Hubby now knows it happened, but he still doesn't know how bad it got.)

What would you want from your spouse, if you were hubby?
 

Dino246

Senior Member
Jun 30, 2015
24,685
13,374
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#2
Not fun at all. Although I trust in the Lord, and He has provided many times, financial concerns can still knot up my innards, so I have a sense of how you feel. What would I want you to do? Deal with things as best you can, as you seek wisdom and provision from the Lord.

One thing I would like to suggest... that if you have shown yourself faithful and trustworthy when your husband was healthy, I suspect he will continue to trust your judgment and recognize his own inability at present, even if he disagrees with you in the details.

Be at peace, dear sister! God is with you. He is the source of all wisdom and provision, so come before His throne in confidence... the confidence you have in His love for you as shown through Christ. Lay your requests and needs before Him, and ask for whatever He knows you need, including understanding from your hubby. :)
 

blue_ladybug

Senior Member
Feb 21, 2014
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#3
Lynn, ummm, .... as far as the trip n fall lawsuit goes, the lady has to prove that what she tripped on belonged to you. Did she trip on something you left outside, or did she trip over some ice, etc?? If she tripped on ice, or over her own feet, or even just an uneven sidewalk, then that's her problem and shouldn't affect you at all. You're not responsible for her being a clutz and not watching where she's walking in winter.. Does the papers you received, state what it was she supposedly tripped on? If she tripped on something you own, then yes, you're culpable. If she tripped on ice or uneven sidewalk, then that's the city's problem. If she tripped over her own feet, then that's her own dang fault and she needs to be more careful..lol
 
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#4
Lynn, ummm, .... as far as the trip n fall lawsuit goes, the lady has to prove that what she tripped on belonged to you. Did she trip on something you left outside, or did she trip over some ice, etc?? If she tripped on ice, or over her own feet, or even just an uneven sidewalk, then that's her problem and shouldn't affect you at all. You're not responsible for her being a clutz and not watching where she's walking in winter.. Does the papers you received, state what it was she supposedly tripped on? If she tripped on something you own, then yes, you're culpable. If she tripped on ice or uneven sidewalk, then that's the city's problem. If she tripped over her own feet, then that's her own dang fault and she needs to be more careful..lol
Our sidewalk is THE sidewalk. No front yard. We saved up for over a year to repair it, but our steps went. (Same steps those teddy bears are standing on in my avatar.) I got a quote for steps, sidewalk, and steps and sidewalk, but couldn't afford both. Steps are our only way out into the public, so they won.

For a brief moment, when Dad's first check came, I thought I could get the sidewalk repaired. Weirdest part is they repaired the steps the day we were at the ER for John's heart attack.

Weirder yet -- the woman suing me is on the same block as he house I dropped the check for the steps. I really do think that's a coincidence. The cement guy is a pillar in the community, and well known for good work. I know the spot she probably hit. It's been patched 4-5 times since we moved here. Had it been when the snow hit, the snow would have smoothed the sidewalk there.

Kind of why I don't know how culpable I am, but I do know it was a problem.
 

blue_ladybug

Senior Member
Feb 21, 2014
70,869
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#5
Hmmm.. So if she tripped because of the multiple patch jobs, then she should be suing the dept of city works, not you and John.. Tell her attorney about the multiple patch jobs that have been done, and that you have no part is how that was done. I don't see ANY culpability on your part. The sidewalk is city property, not your private property..
 
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#6
Hmmm.. So if she tripped because of the multiple patch jobs, then she should be suing the dept of city works, not you and John.. Tell her attorney about the multiple patch jobs that have been done, and that you have no part is how that was done. I don't see ANY culpability on your part. The sidewalk is city property, not your private property..
Our multiple patch jobs.


Philadelphia. Our sidewalks, even if city sidewalks.
 
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#7
John's going to the VA rehab across the street. Wow! God is so taking good care of us this time. Not even giving me enough time to fully panic.
 

santuzza

Senior Member
Feb 12, 2013
1,609
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#9
Regarding the sidewalk lawsuit -- DO NOT SIGN ANYTHING!!! Do not pay anything -- submit it all to your homeowner's insurance company. That's why you have liability insurance! I used to be an insurance agent, so please follow this advice. Your insurance company will investigate her claim and they may even pay out something, but you should owe NOTHING unless a judge orders payment for something higher than your liability limit on the insurance policy. This is a headache you do not need.

So glad your hubby got into the VA rehab -- God DOES provide!
 
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#10
Regarding the sidewalk lawsuit -- DO NOT SIGN ANYTHING!!! Do not pay anything -- submit it all to your homeowner's insurance company. That's why you have liability insurance! I used to be an insurance agent, so please follow this advice. Your insurance company will investigate her claim and they may even pay out something, but you should owe NOTHING unless a judge orders payment for something higher than your liability limit on the insurance policy. This is a headache you do not need.

So glad your hubby got into the VA rehab -- God DOES provide!
I just read an article in one of my magazines last month about the stupidity and naivety of lawsuits. 50% of all suers lose. Most people sue, not for money, but to prove they're in the right. And then once you get going, most of your time, energy, emotions, and money are expended over something that is, most of the time, just not worth it.

Honestly? It's a divot, not a hole, but I can see she might have gotten hurt. Had she just rung the doorbell, I would have helped her. And then, I would have given her my number, so she could tell me the damages. If affordable, I would have paid it. If not, I'd do what I'm doing now -- call my insurance company. BUT, feeling guilty about what I couldn't afford to fix, I also would have brought her over some dessert afterward. (I googled her, so know she has adult kids in the area. If she didn't, I would have given her enough dinners to help her until she was physically okay again. One thing you have to say for us Christians -- we know how to feed someone when they're hurt. lol)
 
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Hellooo

Guest
#11
Regarding the sidewalk lawsuit -- DO NOT SIGN ANYTHING!!! Do not pay anything -- submit it all to your homeowner's insurance company. That's why you have liability insurance! I used to be an insurance agent, so please follow this advice. Your insurance company will investigate her claim and they may even pay out something, but you should owe NOTHING unless a judge orders payment for something higher than your liability limit on the insurance policy. This is a headache you do not need.
What she said.