Retirement Can Be Physically Dangerous

“If I kill him, can I still collect the life insurance?”  An interesting question to start the day.

The wife in question is facing a fairly common problem.  Her husband has retired and now he is “helping” to better run the household.  The big event of the week is to go grocery shopping.  Again, a process that has been woefully inadequate until now.

My response, being objective, “You cannot collect life insurance as a beneficiary if you have wrongfully caused the death of the person.”

In general, when faced with adverse circumstances, there a few conditions possible.

One of them is to change the way the game is played.  In this case I know the husband is not likely going to change.

Secondly, adapt but recognize that being a submissive does not lead to a great life experience, so lets rule that one out for now.

Third, refuse to play the game.

In this case the third became the operative approach.  The wife went out and found a job of her own.  Husband managed the household “efficiently” and well.  Win-Win.

If you want to avoid this particular problem late in life, you will need to begin working on it the day after you marry.  There should be boundaries.  Good fences.

Husbands pay attention.  Retirement is a dangerous time in your life.

Don Shaughnessy is a retired partner in an international accounting firm and is presently with The Protectors Group, a large personal insurance, employee benefits and investment agency in Peterborough Ontario.

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