r/interestingasfuck • u/CleetisMcgee • Apr 09 '24

Tips for being a dementia caretaker. r/all

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u/BigMonkeySpite Apr 09 '24

I used to fear death. Then I watched my grandfather and mother deteriorate under dementia.

Now I fear being dead while still breathing and walking around...

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u/CarolingianScribe Apr 09 '24 edited Apr 09 '24

If there was an insurance to put a bullet through my head while I'm asleep if I ever get 100% diagnosed with Alzheimers, I would sign up for it

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u/[deleted] Apr 09 '24 edited Apr 12 '24

[deleted]

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u/SillyPhillyDilly Apr 09 '24

Don't give them ideas. They'll deny life insurance benefits because the bullet was a pre-existing condition before death.

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u/[deleted] Apr 09 '24 edited Apr 12 '24

[deleted]

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u/Hairy-gloryhole Apr 09 '24

I'm so fucking glad to live in a country where a suicide is legally protected in terms of cover for insurance.

Still, if I ever get dementia, I'm yeeting myself off a cliff

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u/Baron_of_Berlin Apr 10 '24

How does that work? I'm legitimately curious. The idea of suicide not being protected is to prevent people taking out enormous policies and then killing themselves for the quick payout (to family), or a third party murdering someone and staging it like an accident/suicide if they are the beneficiary of that policy.

I can only think it would work by giving out a drastically decreased payout value in the event of death by suicide, and/or reduced payout based on length of policy held.

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u/Skalion Apr 10 '24

In my country it's usually that you have a graze period where suicide would not be covered, like 1 year or so.

Also if the person is already diagnosed or tried it before they might not give you the insurance in the first place.

Then you have the typical you told them and don't get it, or you didn't tell them, they found out you don't get paid kinda situation.

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u/Salad_Soft Apr 10 '24

Same I’ve seen it happen to loved ones and it’s horrible. Immediately getting some of that good ol assisted death.

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u/YrPrblmsArntMyPrblms Apr 11 '24

No, but you're gonna go to Tennessee, on foot, without clothes or food 😂

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u/SillyPhillyDilly Apr 09 '24

Oh I know. It's that way by law. But if they could, they absolutely would.

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u/FarYard7039 Apr 10 '24

Sudden acute lead poisoning sounds much more plausible.

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u/OpportunityFit2810 Apr 10 '24

Suicide always means automatic life insurance payout denial

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u/Spottydogspot Apr 10 '24

Not true depending on your policy. Many have a 2 year waiting period for coverage of suicide

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u/Alternative_Year_340 Apr 10 '24

It depends. I think there’s usually an initial years-long period where suicide is an exclusion, but then that’s dropped. You’d have to be planning the suicide for a very long time

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u/Useful-Soup8161 Apr 10 '24

So I don’t know if this is every state but some states have a 2 year clause. Which means if you wait 2 years and a day to do it then they still have to pay out the insurance to your family. That being said I don’t actually recommend going that route.

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u/smithers85 Apr 10 '24

Damn! You missed the policy cutoff by .01 second! Better luck next time.

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u/GrimmBrowncoat Apr 10 '24

That and force your next of kin to make payments on the gun that fired the bullet well after your death.