In previous threads there has been discussion of whether SW would have had access to PPO providers when she was visiting family in NC. There has also been discussion about how much life insurance CW may have purchased on SW, through payroll deduction.
CW's employer-sponsored group health Summary Plan Description is published online and I looked at it last night. Their definition of eligible spouse excludes a divorced spouse. If the status of health insurance laws remained unchanged, SW, upon divorce, would have been able to elect temporary COBRA continuation. If things remained status quo in terms of options available today, there would have been other options for health insurance for her. JMO.
Per CW's group health SPD for 2018, it appears one of two options are available and both provide for utilization of United Healthcare's Choice Plus PPO network. I cannot log into UHC as a user of one of those specific employer plans, but per the UHC website, under general directory, there's a huge number of UHC Choice Plus medical providers in Charlotte, NC. JMO, SW had access to in-network medical care in Charlotte, NC.
With respect to the employer-sponsored voluntary life (payroll deduction) plan, there is a short summary online. It appears the following options are available:
Employee - up to 5 x salary
Spouse - options of $25,000, $50,000, $75,000 and $100,000
Each Child - options of $5,000, $10,000
JMO, I do think CW had some sort of "master plan" that made a lot of sense to him, in his own mind, and I do think he thought he would get away with it. I also think staging was involved, because, IMO, there has to be something that explains why SW was in a shallow grave and the girls were hidden in oil storage tanks.
JMO, I don't think life insurance on SW was a motive for the murders, but I do think the possibility of collecting life insurance on SW might have influenced how he tried to stage things. I do think he is very manipulative and cunning and he thought he could steer LE into reaching conclusions about what happened.
To me, it is as if he wanted SW's body to be discovered, and I think he thought no one would ever think of looking in those oil storage tanks for his little girls. The discovery of SW's body, in that very apparent shallow grave could lead LE to believe this had been a kidnapping all along and SW had been murdered to carry out the kidnapping and the little girls would never be found.
I believe Mindhunter theorized about this. It makes sense to me because all of SW's things were at the house, as well as her car. I also think the separation discussion story might have been a desperate attempt by CW to try to get NUA to back off, and that blew up in his face, because then nothing at the house made any sense at all.
If he had gone home after work on Monday. unlocked the back door and then called LE himself, that kind of makes sense. There were no security cams in back. It also looks like the fence in the back of the yard is a short fence, with rails. It would be easy to go through the rails or even climb over it.
Would the possibility of collecting $100,000 on SW influence how someone like CW might try to stage things. I think it might. Could CW have been approved for $100,000? I think that's entirely possible. I don't think she was terminally ill with lupus, and I also think an underwriter's decisions on life insurance approvals can also be influenced by the size of the employer's group. CW's former employer was a huge employer group and a difference of $75,000 in benefits ($25,000 to $100,000) would be less than a pittance compared to the aggregate life insurance premiums paid by that group.
All JMO.
