I was looking for something in my purse without success on
Monday. I searched three times and then decided to dump everything out. I came
across an envelope and opened it to find – to my surprise – four health insurance
cards. They were old health insurance cards which expired two years ago.
Typically, I cut up my old insurance cards, so I was wondering how these ones
had escaped my attention for two good years. I also noticed that there were
four of them, representing what used to be my family of four.
I stared at them and the memories of how I went from four
cards two years ago to three cards today came back. I sifted through my emails
to reconstruct the pathway that got me here and confirm the dates of each
critical incident along the way. This all started with a retirement account:
August 6, 2009: I
email HR to find out if I can list my sisters, rather than my spouse, as the
primary beneficiaries of my retirement account in case anything happens to me. I
am informed that in order to do so, my spouse would have to waive his rights to
being the primary beneficiary by signing the ‘spousal consent’ section of the retirement
account form. I brace myself and prepare to have this difficult conversation
with him. If anything happens to me, my sisters would know exactly what I want
for my children (we’re very similar when it comes to what we want for our
children, what we think is best for children in general, and how we raise ours),
and they’re all so good with money management.
August 7, 2009 (I
think): I discuss my plans (about the retirement account changes) with my
spouse on the phone. He expresses displeasure. I sense that his displeasure is
not about the money per se, but rather about the fact that my actions are a
major indication that the relationship is over (access to a partner’s finances can
be such a deep sign of intimacy).
August 17, 2009:
My spouse sends me an electronic copy of a signed ‘spousal consent’ section. I
am very relieved. Relieved that I got it without any major hoopla, and almost
proud of his attitude.
November 23, 2010:
I email HR to find out if it’ll cost me less to have three members of my family
(me and two children) covered by my health insurance rather than four (me, two
children, and a husband). I’m told it’ll cost me exactly the same amount,
whether we’re a party of three or a party of four. I chicken out from severing
this tie with my spouse, reasoning that it’s not costing me anything to just
keep things as they are. What if he got sick where he was (God forbid.)?
Wouldn’t it be nice for him to be able to come over here and have his health
taken care of? Why was I being ‘wicked’? What did I stand to gain from this?
In the weeks to come, I wrestle with this issue. I come to
the conclusion that I really shouldn’t spend all this energy trying to take
care of someone who didn’t seem to be making any effort to take care of me or
our children.
Still, I wait another year before making a move.
Still, I wait another year before making a move.
December 8, 2011:
I email HR asking them to drop my spouse from my medical and dental coverage.
December 9, 2011: They
reply saying they will process my request, and that this change will be
effective as from January 1, 2012. They remind me that the amount deducted from
my salary for this new arrangement will still be the same. I breathe in and out deeply to try and push
down the pangs of guilt.
April 15, 2013: It was
about a year and a half later this Monday. The guilt is gone. It must have left
long before now – I just haven’t had an opportunity to think about this
particular issue in a long time. And he has risen to the occasion. Although
he’s had his share of illnesses since December 2011, he has somehow sorted
himself out.
The issue, though, was never that
he wasn’t capable of doing so. It was that he just didn’t (or wouldn’t). I
would like to believe that, in the end, I helped both of us by making this
tough decision.
On Monday, April 15, 2013, I
reached for the pair of scissors on my desk, cut up the four cards into little pieces,
and disposed of them in the bin.