Critical Illness payout due soon and feeling very weird

When’s husband and I bought our house we had to have life insurance and took our critical illness without thinking about it much, I was 36 and he was 29. It’s a joint policy and didn’t think much about it after. Paid monthly from 2011 and actually forgot all about the policy.

March 2018 after watching “Lisa’s Army” the story about a lady (i know of her also through same nail tech industry).. 2 girls and was diagnosed terminally 5 wks after the birth of second daughter.. was devastated for her and her family.

This prompted me to take out life insurance with critical illness cover in my name and my husband did same in his name.. separately... both of us still forgetting we had the joint one running in the  back ground!

Fastforward to Nov 2018..my sons 3yrs 6months (Hes my miracle as I lost 8 babies and had 2 eptopics during my fertility fight, we were trying for another then... )  I find a breast lump it’s sore, I have Bupa so went through and saw Docs locally.. 

Dec 2018 the diagnosis came in: Triple Negative Breast Cancer stage 1 Grade 2/3... 

Changed care .. so unhappy with local services and care.. so glad changed!

January Started Neo adjacent chemo EC x 3 3 wks apart, 12 Pax/Carbo only managed 5 4 wk chemo break was so sick and bloods so low.. finally Dox 3 every 3 wks only managed 2 neuropathy too bad to continue... chemo ended end May thansfully!

June vacuum biopsy results all clear! No signs of malignancy!

June bloods so low need iron infusion.. 5 seconds in severe allergic reaction (very rare I was told) ended with crash cart .. no more iron infusions for me

July surgery - lumpectomy, centinal node plus one and double breast reduction.. Developed severe allergic reaction to the tape used as bandages/support after breast surgery, left my skin and scars with massive blisters! Not pleasant, came off after two days...

Now awaiting surgery biopsy results and radio plan.. praying no more chemo

 My dilemma is not the treatment so much, have had no choice but to find my big girl pants and kick on through...its my problem now seems to be my husband.. he is talking about how much money “we” have coming and what “we” are going tO do with all the money.. like he’s divvying it out already! 

I feel strange he’s so excited for my payout and I’m not and like he’s just going to take control of the money and do as he deems fit..

I feel like moving it all out of joint account once it’s in and seeing how he reacts! It’s like he’s won the lottery thanks to my cancer

  • Oh bless ..

    I can understand how you feel .. money means little when you go through this ... l was married to someone Simerla... needless to say he's my ex ... think you really need to evaluate .. it sounds hard but thinking he's chuffed about the money is a tad sick ... 

    Hope I've got it wrong ... but think you should change the bank account .. that money is there to help you through this journey your on .. for extra help if needed ... not as a windfall ... 

    I wish there was a better answer I could give ... I hope whatever you do, is the right path for you ... good luck ... and here's to kicking cancers butt....  Chrissie xx

  • Thanks for replying Chriss it’s very much appreciated! I’m feeling so confused and unsure of a few things and that money coming in makes me feel sick as it’s again making this nightmare disease all the more real along with the long term threats we all face if we do indeed manage to kick it where it hurts...

    i can’t even say the words but it petrifies me 

    I’m taking your advice on board and I’ll be moving it straight into another account and see how he reacts then be having a few discussions with him too about our future if there is to be one..

    Thank you!

    well done on kicking butt too sweetie   ️

  • Hi bizzybee so sorry about your problems with treatment and more to come, if you don't mind me saying it might pay you to open a new account and get the money straight into it not go into your joint account, but i hope things work out OK for you, best wishes for the future. 

    Billy