My niece is a walking example of why they need to do something. She is 30 and had twins about 4 years ago. They've told her since a young age that child birth could kill her because she has a heart issue and had open heart surgery at age 5ish. She lives with the father, they're not married. They've lived together for close to 10 years, they have moved states several times so not sure on the common law deal. She went to school and got a certifiation or whatever they do as a vet tech which I assume pays decently. He has a masters degree in architecture and is working at a firm to get his stamp or whatever they need. His goal after that is to go to work for the state fire marshals office and do inspections. Seems odd to get a masters degree but whatever. He was offered a job that paid 2x as much but he has to live within 10 minutes of work or he just won't work, which really in the south is not really an option most of the time.
Anyway her and her 2 kids don't have insurance. They could get insurance thru his employer but it "cost too much". Ok that may be....but I told her with the ACA now she should get something. I'm not a fan of the ACA but I'd like to see her kids covered because they are leaning now that one kid has the same heart issue she had. Nope can't do that because it's too big of a pain in the ass and with the subsidy it would still cost $40/month or whatever it was. She says they won't turn them away at the hospital, which is true but still.
She doesn't work. I really don't give a shit how they live thier life but cover the kids with insurance. I tried to at least give her a little push and told her I would cover it for a year till she could get it figured out and get with the ACA during the enrollment period. NOPE, too much work.
I finally stopped giving a gentle push and had my attorney send her a letter giving her an ultimatum that if she didn't get insurance on the kids she was out of the will (I hold the entire familys inheritence/land in my name including what goes to my sister) and had it spelled out what it was valued at.
NOPE, too much work. She collects food stamps for herself and the kids even tho she lives with the father, as well as whatever else I have no idea.At Chirstmas there was an hour long discussion she talked about the "free" stuff she gets for her and the kids even tho she in the past had a good job as a vet tech and her significant other makes decent money I assume.They live in a nice house.
The finaly straw which led to the inheritence threat was they went on a fucking Carribean cruise last summer cause they needed a break.Then at the same christmas her significant other/father of her kids was telling me how he really liked X cigars that came up because my sister gave me a box for christmas. They were $15/each cigars. WTF.
JFC. I have her kids on the inheritence and a college fund, but I cut my niece out. She asked after I had the attorney send the letter if that included the father of her kids...like I was ever going to give him shit if they aren't married lol.