Contingencies, will and home ed

[Londonbabyland]

Perhaps some home ed parents have figured this out and can guide.

• lone paren is educator, home ed primary school age

-life insurance+critical illness cover

How to best plan for scenario should mother die, develop critical illness or disabling condition (currently all well) with respect to education? The new guardians wont personally homeschool but could possibly arrange tutors or school,if so should child have basic preparedness for such scenario? Or the child can already decide at certain age on the education choices?

Thank you for guidance in advance!

After 30 years and two generations in HE this is a question i have never heard before.

To be honest i do not think your child is a different situation to most children with lone parents. If anything was to happen to you you would hope the guardians were loving and caring and made your child feel safe and secure and that they would consider the child's (and yours to a lesser degree) view on education but ultimately the child would have to have the education that was the best compromise for everyone involved. Your views would not count for much if you had died as all decisions would be made in the Best Interests of your child at the specific time. If you still had capacity then everything should be done to enable you to continue to care for your child and you would still make all the choices, and as long as you could satisfy the education was appropriate in the same way as you do now then nothing would change,

It is incredibly hard to prepare a child for any of this as the individual aspects are almost infinite.

Ensuring your child develops emotional resilience is the only real preparation you can do.

I agree.

The insurance is a very good move, because the availability of money opens up more options. Other than that, you just have to trust that your child's guardians will do the best they can for your child.

I think in this case the best you can do, and you are clearly being most sensible about this, is to make sure you have adequate insurance in place to cover whatever would be appropriate in the event you are incapacitated or die before your child finishes education. Then it would definitely be down to your child's guardians to make the final decision about educational provision.

Thank you for thoughtful and prompt responses. So much to think about and plan for!