In an unexpected twist of marital separation, the original poster’s (OP) husband finds himself caught in a financial bind. Amid their legal limbo, OP leverages her health insurance, funded by her new job, turning it into an ironic bargaining chip that her self-employed husband can’t afford to lose.
OP’s husband of 25 years shocks her with his decision to part ways. She tries desperately to hold the relationship together, but her pleas fall on deaf ears, leading her to spend many heart-wrenching nights alone on the bathroom floor.
The Dependency of Insurance
As the main provider of the family’s health insurance, she realizes she holds a key asset. The husband, being self-employed, depends on this coverage, which soon becomes a crucial point in their separation.
After acknowledging her husband’s decision, they officially filed for legal separation. The husband vacates their home, marking the start of their new and separate lives.
Fortune Smiles on the Forsaken
OP lands a high-profile job amidst the turmoil that provides comprehensive health and dental insurance for her entire family. The insurance coverage is so generous that it only comes with a meager $100 deductible, making it a great deal.
The Legal Loophole
As per the separation agreement, her estranged husband remains eligible for her insurance coverage. This unusual setup is due to their legal status being separated but not divorced, which would void his insurance eligibility.
The Birth of Pettiness
OP decides to turn the tables on her husband. She capitalizes on her insurance coverage and begins to charge him $400 a month, a sum that he could evade only by opting for an expensive market insurance policy.
The Power of Transparency
She makes sure her husband is aware that these earnings won’t be going to the insurance company. His monthly $400 is merely a contribution to her upcoming trip to Spain, a fun dig for OP.
A Marriage Held Hostage
Her husband’s insurance coverage hangs by a thread. Essentially, he pays $400 a month to prevent OP from filing for divorce, which would rob him of his insurance benefits.
Savoring the Irony
She relishes this ironic situation. The man who once didn’t want to be married anymore is now financially trapped in the limbo of separation, making her feel like she was in the driver’s seat for once.
A Surprising Support Network
In the face of various skeptical comments, OP reveals the entities that approve of her method. Family law and estate attorneys, her husband’s attorney, her insurance company, and even her employer condone her strategy, adding credibility to her plans and leaving her husband out of options.
The Challenge of Knowing Better
She confidently invites anyone who believes they know better than her legal and professional advisory board to challenge her. This audacious move asserts her confidence and marks a new level of personal empowerment as she navigates a newly single lifestyle.
The Insurance Dilemma
The husband, now realizing the leverage his wife holds, grapples with his precarious situation. The options are limited: he could either continue paying the steep insurance sum or venture into the costly and uncertain world of market insurance policies.
Caught in this dilemma, he must consider not only his finances but also his pride and independence. Wishing to cut ties for good doesn’t seem possible with this arrangement.
Was Pocketing His Insurance Money Appropriate?
The readers in the forum had a lot of mixed views on the matter. Here are some of their responses:
One reader said, “There is nothing wrong with making a little extra cash off him since he wants to separate and the insurance is in your name, but you come off as really childish reveling in his supposed suffering.”
Another Commenter Thinks
Another responder wrote: “As petty as this is, and I love that, please divorce this person and move on.”
A Third View on The Story
A different person states, “Get a life and move on. Also, it’s fraud. I hope your company finds out what you’re doing.”
A Final Perspective on the Matter
Another viewpoint on the story: “I’m not sure if this is revenge. Your husband is paying far below market value for a necessary service.”
What Do You Think?
What are your thoughts on their actions?
What would you have done in this situation?
This story is inspired by a thread from an online forum.