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Original poster

Illness payout after separation

10 replies

Rosemarymary · 15/04/2023 11:09

Been separated from ex for 2 years. I have stayed in the house and am paying mortgage, he is renting. I have the 2 children with me, he sees them regularly and they stay with him occasionally. We took out critical illness cover for us both when we set up the mortgage - now it is likely to pay out as he has a qualifying illness. Assuming he can still go back to work after some recovery time, would I be reasonable to ask for some of the payout to pay some of the the mortgage, as we would have done if still together and/or for it to go towards his childcare contribution in advance in case he is unable to work further down the line? (He pays CSA advised amount).

OP posts:
Twinedpeaks · 15/04/2023 11:10

YABU. You are responsible for the mortgage, so why would you be eligible for insurance money to cover any shortage in his income?

If it rendered him unable to pay maintenance or have the kids then maybe.

Babyroobs · 15/04/2023 13:03

Are you sure they will pay out if he's not even paying the mortgage and hasn't been for 2 years ? Presumably his name is still on the mortgage?

DeeHellem · 15/04/2023 14:48

Babyroobs · 15/04/2023 13:03

Are you sure they will pay out if he's not even paying the mortgage and hasn't been for 2 years ? Presumably his name is still on the mortgage?

Payout is unrelated to the debt it might have been taken out to cover.

Greensleevevssnotnose · 15/04/2023 14:51

This sort of stuff is a nightmare. Who paid the premiums? Whose the beneficiary? Who is responsible for the mortgage? Ltd to unpick. Get a solicitor and sort things out properly to avoid resentment

missmollygreen · 15/04/2023 19:55

YABU imo

Original poster
Rosemarymary · 16/04/2023 09:35

It’s not tied to the mortgage so would still pay out. I guess if we were still together we’d have used it to lower the mortgage. If he can’t work in the future he’ll not be able to pay child support - so shouldn’t he use some of the payout for that? I suppose he could just spend it on whatever he wants - but it was intended to support the family (the children) in the event either of us couldn’t work.

OP posts:
Original poster
Rosemarymary · 16/04/2023 11:44

Twinedpeaks · 15/04/2023 11:10

YABU. You are responsible for the mortgage, so why would you be eligible for insurance money to cover any shortage in his income?

If it rendered him unable to pay maintenance or have the kids then maybe.

We’re both currently responsible for the mortgage, but I am paying it

OP posts:
Viviennemary · 16/04/2023 11:46

No. You are the one living in the house. He should put the money towards a place of his own eventually.

Original poster
Rosemarymary · 16/04/2023 11:46

Greensleevevssnotnose · 15/04/2023 14:51

This sort of stuff is a nightmare. Who paid the premiums? Whose the beneficiary? Who is responsible for the mortgage? Ltd to unpick. Get a solicitor and sort things out properly to avoid resentment

When we were together we paid both premiums out of the joint finances. Since the separation he pays half of the total cost for critical illness. I am assuming it will be paid to him to do as he wants with.

OP posts:
Viviennemary · 16/04/2023 11:47

If he is unable to work in future he needs that money.

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