"I'm calling about Susan Malone," I told whoever it was."Do you have a passcode?" the man asked.That was one of the contemporary innovations of our healthcare system. In an age when information is widespread and privacy increasingly hard to come by, the law has taken up cudgels for the latter and hospitals follow faithfully along. You had to prove you were authorized to receive information from a hospital or they wouldn't even acknowledge that a patient was there; and you did that by knowing a "secret word." Kind of a cross between the old Groucho Marx TV show—I'd seen it in oldies reruns—and the antics of kids safeguarding their hideaways against intruders."Rose," I said. They'd clued me in on the drill before I'd left, and I'd picked that one simply because I liked the flowers.He had to look it up, of course, but in due course he evidently located it. "A moment please, I'll find her nurse," he told me. And a couple of minutes later a woman's voice announced herself as "Nurse. B. "That's one million in each individual policy, and five million doubled for the joint policy. That's in trust, but we're going to have to decide what to do for Chris. The trust will come under Chris's direct control when he's eighteen. He can then draw out $100,000 per year, but that's contingent on him getting a job or going to college. He won't be going to college, will he." He said that quietly, with that 'Poor stupid kid' attitude that I got so often. "Until his eighteenth birthday, he can draw out enough to pay all his bills, with the approval of the trustee. When he's 21, he'll get the whole thing and the trust is dissolved ... Then there's this letter. It's to be given to Chris when he turns fourteen." Which is now," I said. "I was fourteen last October."He looked at Mr. B. like I couldn't be trusted or something. Mr. B. nodded. "That's correct," he said. "When are the insurance companies going to send all this money?" Well, since there's no question about it being an.
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