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Post Info TOPIC: Financial toll of alcoholism


~*Service Worker*~

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Financial toll of alcoholism


We don't talk about the finances of an alcoholic's consequences on here too much, or maybe I just hadn't noticesd it untilit really hit me this week, when we had the hearing for 2nd DUI.   I wanted to write this for two reasons:  get it off my chest with someone besides recovering AW, and so other folks can know just how expensive denial and non-compliance can be.  I haven't yet totalled this up until this post.  I am dreading it...

Abuse:  Probably a couple $1000 on wine and vodka.

1st inpatient treatment - 15 days - ssome covered by insurance, but copay and non-covered days of $3000 

DUI #1:  
Bond - $600
Attorney: $3,000
Court Costs - $200
Probatilon/Chemical tests costs - maybe $300

DUI #2:
Phone calls from jail - $200
Jail commisary - $50
Attorney - $4000
Court suggested rehab - covered under insurance but $3500 coinsurance & non-covered days

Soberlink Monitoring pre-trial - $700
Court Costs - $390
Soberlink monitoring on 2 years probation - $7000

And this still doesns't include insurance that went up to $1800/year for AW from $600/year.  Fortunately, we aren't paying that right now because she doesn't have a license for a year.

Yeah, I still can't look at the above list,  Don't want to total it up.  want to live in denial of this.  I am upper middle class, so I can afford to pay this, but it really does hurt.  We will have to put off major purchases because of this,  And I don't know how a not-well-ooff person could afford this at all.  This would bankrupt many people. and most are legal fees so I don't think even bankruptcy would get one out of them.

This is why many people here choose to at least financially separate themselves from the A.  I have chosen not to do this.  I hope there is not more coming.  In the meantime I will keep working my own program.

Thanks for reading. I have never shared anything like this.  I really need to be able to share like this.

Peace
Kenny

PS

On the other hand, she got off second DUI with misdemeanor, that is priceless.  The attorney earned his money on that one, he got it plead down from what would normally be a felony.  Byt I can't minimize AWs part in that as well, since she has become totally compliant since getting 2nd DUI, and the court took that and the rehab into consideration



-- Edited by KennyFenderjazz on Saturday 22nd of March 2014 07:03:46 PM

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~*Service Worker*~

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For my ex-AH it did mean bankruptcy.  His expensive lawyer got his pled down on his DUI (his second) too, so he only had to do rehab and monitoring, instead of the more serious penalties he was facing.  I wasn't that happy that he got away with less than the full penalty -- anyway he seemed to continue to think he could buy his way out of consequences.  He's still drinking, though not with my money.  I think the financial aspect is a tangible part of the consequences to us.  I discounted the emotional consequences, but seeing the dollars in black and white did give me pause.

Here's hoping your A makes good choices as a result of all of this.  Take good care of yourself.



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~*Service Worker*~

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What is fleast fduciarily? Either it is a typo or I am an idiot. or both? haha

Well that is pretty much eye opening isn't it? Being sick with a disease is horribly expensive.

In my experience, many do not go to the court appointments, get a warrent then never have anything happen until yet another dui. And again and again. seriously!

My A had eight or nine before he went to prison for two or three years.

There are free beds for rehab, some get sent to assigned AA. Like that does any good. Some get those bracelets and cut them off,warrent again on and on.

A million stories.

I am glad you shared. What is sad, doing the same thing over and over is insanity, so makes me wonder, what would make people get an attorney to keep them out of jail and prison? I believe in allowing them to suffer consequences of the behavior so hoping they will get so sick of it they will do anything to get help and walk into the doors of AA and rehab. no one, no one putting them in one except them does any good.

Also I don't care how much money someone makes, when the A gets in a car with no license,drives kills someone, causes horrible accidents, causes damage, and one gets sued, one can lose everything, everything. Soooooo I am a believer in allowing, "them" to figure it out and learn.

hugs great share!

 



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~*Service Worker*~

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Hoping she was looking over your shoulder or you hers and you took stock of just one aspect; the financial cost of this disease.  No you're not paying for a funeral or the outside cost which arrive when the affect of the disease touches others outside of the family.  There are some graces and mercies to be grateful for.  Let her participate in this audit as she has the same 12 steps as we do to arrive at recovery.  Realistic share and glad you brought it here.   ((((hugs)))) smile



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~*Service Worker*~

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My stbax once said the technically 3rd dui hadn't cost us anything yet because his dad covered the expenses for the arty. I laughed at that one .. by the time it was done it was close to 10k and he was pleaded down to reckless driving .. it was and still is financially devastating. The total of that dui cost things that can't be totaled up .. my respect for him, the kids respect for him, trust and those costs still tally as well because the behavior is still there. Then the divorce as he was going to continue to drink. That is probably close to an additional 30k when arty fees, alimony and child support is totaled in. It is devastating to watch the tolls climb. It is what it is and I'm grateful not to have those costs continue for me. I remember so vividly a conversation with my stbax two years ago of how much is this going to cost me .. and me looking befuddled going umm the costs aren't ending until the kids are grown. It was an interesting conversation to say the least. Btw .. the courts still count that last dui as a dui should another issue arise he's in a crap load of poo poo. Hugs

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~*Service Worker*~

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Your share helps to further ground the costs of this disease.  Thank you.



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Paula



~*Service Worker*~

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My son's one DUI was 12 grand and stupid me paid for it. Over a 4 year period I have spent 80K on my son and he's still drinking.

Even if he's hungry I will not give him a dime. Maybe being hungry enough will trigger something....you never know.

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Veteran Member

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I look at the money going down the drain too, can't help myself because I write the checks that get the bills paid. Robbing from Peter and giving to Paul to make it work, I am feeling like this is my biggest way that I enable, because it is my rear end that is cold if the electric gets turned off, purely selfish on my part I know this and still do it... I used to make lists and budgets, nothing helped. I have even been asked when I have discussed a purchase with "our" money "do you really think we can afford that?" REALLY...REALLY took everything in me not to unload on that one! LOL Also, it makes me sad to think of the fun things like vacations or the useful things such as tuition payments that the money could have gone toward instead of beer and escalating insurance premiums and surcharges from employer for an "unhealthy lifestyle". When I read this I sound like such an idiot, WOW. I try not to think about it anymore, knowing that the future will be different when I am ready to change MYSELF. I wonder what is my bottom?



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~*Service Worker*~

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Thanks for bringing this issue up to the forefront, Kenny. It's topic we don't often stop to add up. Unfortunately, in my case, my AH not only had financial costs related to his two DUIs, but because of his disease, he also lost our family business (hundreds of thousands of dollars lost), our $600,000 home went into foreclosure, lost all of his retirement, as well as had legal costs for his business liabilities and lawyer's bills for trying to save our home from foreclosure.

When he died, I barely had enough money for his funeral costs. Thank God I saw how bad things were progressing a few years back and took out a small life insurance policy for him through my work. I had just enough to cover the costs.

When I went through his papers after his death, I found out that he had even more debt than I knew about. Credit card debt, unpaid business court claims, IRS penalties, parking tickets... the list went on and on. Thank God he had health insurance through my work, otherwise I would have surely had to file for bankruptcy. I'm still digging out of all this mess, but there is light at the end of the tunnel.

The effects of alcoholism are far reaching and can be so devastating to the family of the alcoholic. That's why we need Al-Anon.



-- Edited by Green Eyes on Saturday 22nd of March 2014 11:41:59 AM

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~*Service Worker*~

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We too had many costs - 2 DUI's, 2 attorney fees, fines, classes for a year, probation and 2 alcohol poisoning that led to hospital care, one in ICU for two days. The first DUI he lost his license for 90 days and the second he lost his license for a year, but did not get another license for almost 6 years. He would have had to have an ignition device put on his car for two years if he did his license back with in a year. I too have no idea how much the total is but I would say for us it was about $25,000.00.

I am working through my anger over all of this but it is hard.

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Senior Member

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Mine is going to jail. And oops responsible me lost the get out of jail free.
I treat him exactly the way he treated me..the reasons I can't help right now
. Oh I can't get to the phone because I am lying down relaxing..
Oh can't pay the bill.. not working
Oh I am too busy doing everything inside and outside the house.
Oh sorry about the kids ignoring you are they suppose to pat attention.
Maybe the one night stand might help you out.
Maybe the liquor store might help you out.
Are you talking to me the person you have ignored for the past 16 years..
I need to paint my nails.
I got to go get food for our family eat.
Geez I was suppose to get you out of jail. I pasted out on the couch from exhausted of taking care oh anything.
You mean I am suppose to think about you. Let me think about that one after I drink my coffee.
Ahhh the peace and quiet.. love bit..
You stay in jail.. you figure it out.
I wish I could be this mean. It is what I think inside but too nice to do it.
We all have been stomped on and they don't care..

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~*Service Worker*~

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Debilyn

I meant to say "at least fiduciarily", it was late at night, and should really have said "at least financially". Too much hanging out in the legal system starts you using words like "fiduciary" lol


Thanks for the ESH everyone. Jerry I will talk to the wife about this, it gets mentioned off and on, but hasn't yet been totaled up together. That last $7k was just added at the final hearing.

Thanks everyone!

Kenny


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~*Service Worker*~

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Kenny: These are her bills. What might happen if you have her total them and then come up with ways to start paying for them? Is that a possibility?

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~*Service Worker*~

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The monetary cost or expense some of you are saying was spent in dollars is so far outside my reach economically, I can't fathom how I would ever be able to pay that price.  However, I will go as far as saying that in terms of relativity, I have spent at times every dime I had to my name (literally), sold some of my most valuable assets, got personal loans I had no idea where the money was going to come from to pay them back and sacrificed many of the things I needed or wanted to pull an alcoholic out of the deep pit they dug for themselves, only to see them jump right back in the pit time and time again.  I was so tired, so worn out, so frustrated, so discouraged, so hurt, so disappointed... so in denial.  My rescuing stood in the way of my A(s) hitting their bottoms on many occasions.  So, I wasn't really helping them at all.  I was working from a place of love, ("self centered love"), and fear.. lots of fear.  My experience in all this helped me find MY bottom and come into the rooms of Al-Anon, feeling completely beaten, and torn apart.  What is the price tag for sanity, peace of mind and serenity these days?  That's what I paid out, time and time again.  What are the days and/or nights of my life, that were spent in some sort of rescue effort worth in dollars and cents?  Whatever that price would be, I spent it to see it thrown away, over and over again.  Today I may very well be the most financially broke person I know, but because of this program, I live in a world of great wealth.  I was able to finally stop spending Me.

John

 



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~*Service Worker*~

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Thank you for this reminder. Even though we have medical insurance, I cringed when I saw the hospital bills from alcoholism. Around $10,000. Multiple tickets. Bail.

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~*Service Worker*~

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Grateful,

Excellent question. In fact, once she is sober she becomes very responsible. Sometimes too responsible and stress becomes a trigger.

She was a homemaker and substitute teacher before first DUI. After first DUI she got a job. I had to drive her to and from work for a couple months while she didn't have a license, but she was making money. She relapsed and had second DUI about 7 months in. And lost that job of course.

She is again looking for a job, but will be without license until November. She has a line on a possible one where her mom works so she could drive her in.

Thanks everyone for your responses!

Kenny




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~*Service Worker*~

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Jen61, working through the anger of all of this - not just financial but all of it - is why I ended up joining. It's not easy, that's for sure. That's why I keep posting here. Thanks for your candid response.

Ken

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