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Chapter 3

Author: Soaring Slothcat
I opened the browser and began searching.

[Can a minor draft a legal will?]

[How to prevent parents from collecting life insurance payouts?]

[Does a beneficiary still receive a payout if they commit a crime against the insured?]

One key piece of information popped up at the top of the search results.

[If a beneficiary intentionally causes the death of the insured, the insurance company will deny all payout claims.]

I stared at those words for a long time. Then, I opened a blank note and started keeping a diary.

Not a regular, personal diary, but for evidence.

Using that old iPad, I began recording everything from audio files, video clips, to hidden snapshots. Every single time they discussed my policy, cut back my medication, or updated the countdown on the whiteboard, I documented it all.

Three days later, the number on the whiteboard changed to forty-four.

Sandra went through with her threat and cut my medication. I used to take three pills a day. Now, there were only two in my cup.

"Mom, I'm missing a pill," I said.

Sandra was peeling a piece of fruit for Andy and didn't even bother to look up. "The doctor said you can taper off your dosage at this stage."

"The doctor never said that."

The knife in Sandra’s hand paused for a second. "I'm your mother. If I say cut the dosage, you cut the dosage."

I didn't argue.

I just went back upstairs, pulled up the recording software, and saved the audio file under the name: [Evidence_004_MedicationCut]

That evening, Daniel came home with a stranger. The man wore a crisp suit, carried a polished briefcase, and wore a practiced, professional smile.

"Freya, this is Mr. Pierce. He's a claims advisor from the insurance company," Daniel said, his voice dripping with an unusually gentle tone.

Whenever he acted sweet toward me, it meant he needed me to play along with something.

"Mr. Pierce just needs to do a quick health evaluation with you. Be a good girl and cooperate, okay?"

Mr. Pierce squatted down to eye level, smiling warmly. "Hey there, Freya. I just have a few quick questions for you. It won't take long.

"How are you feeling lately? Any discomfort anywhere?"

I glanced over at Daniel. His eyes burned with a silent, sharp warning.

I smiled. "I feel okay. Sometimes my chest gets a little tight, though."

"And are you taking your medicine? Regularly?"

"Three pills a day, right on schedule. Never missed one."

The corner of Daniel’s mouth twitched upward in satisfaction. Beside him, Sandra let out a quiet sigh of relief.

After finishing his notes, Mr. Pierce shook Daniel’s hand. "Don't worry, Mr. Mason. I’ll get these files processed as soon as possible. If... worst comes to worst and tragedy strikes, I’ll personally rush the claim payout for you."

"I appreciate your hard work, Mr. Pierce."

Once the front door closed behind Mr. Pierce, Daniel patted me on the head. "You did great today. As a reward, you can watch thirty extra minutes of TV tonight."

I guess that was my grand reward for helping them rehearse my own death.

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  • The Death Benefit   Chapter 12

    Dr. Kelly walked over and crouched in front of my wheelchair."Freya, what do you want to do from now on?"I wiped away my tears. "Dr. Kelly, I want to study medicine.""Medicine?""Yeah. I want to become a doctor, just like you. So if I ever run into kids who were like me, I can save them."Dr. Kelly smiled softly, a tear spilling over her cheek. "Alright then. I'll be waiting for you."Craig chimed in from behind the wheelchair, "Well, then I'll be your English tutor from now on, completely free of charge!""No way," I said. "You have to charge me."Craig blinked, taken aback."I'm paying you a salary. You're a teacher, and a teacher deserves to make an honest living."Craig's lips trembled, unable to utter a word for a long moment. Finally, he just gave a deep, resolute nod.The warm sunlight washed over us.Craig pushed my wheelchair, Ginger lay contentedly on my lap, and Dr. Kelly walked right beside me. Behind us was a crowd of strangers calling out their heartfelt bl

  • The Death Benefit   Chapter 11

    Craig was sitting in the chair by my bed, cradling Ginger in his lap, fast asleep. Nearby, Dr. Kelly leaned against the wall, heavy dark circles hanging under her eyes.James Hawthorn was there too, holding an official document in his hand."You're awake?" James smiled softly. "I've got good news for you. The court reached a verdict in the first-instance trial."Daniel Mason was convicted of attempted murder and sentenced to twelve years in state prison. Sandra Warren was convicted as an accomplice to attempted murder and sentenced to eight years."Furthermore, the court has permanently stripped both of them of their parental and legal guardianship rights."I leaned my head back against the pillow, staring up at the ceiling.Twelve and eight years… It was enough.Not because of the severity of the sentence, but because from this day forward, I would never have to look at that whiteboard again. That countdown had finally hit zero, and yet, I was still alive."Mr. Hawthorn?" I

  • The Death Benefit   Chapter 10

    I looked down at the envelope, tears welling in my eyes."Andy, I can't take your money.""Why not?" Panic flushed his face. "Is it not enough? I won't buy any more toys, I swear! I'll save every dollar for you—""It's not too little," I interrupted, gently pressing the envelope back into his hands. "It's because your thought means far more to me than any amount of money ever could."Andy burst into tears. He threw himself against the edge of the bed and clung to my arm. "Please don't die, Freya! If you die, I won't have a sister anymore..."I gently patted his head.My eight-year-old brother wasn't a bad kid. He was just a child who had the misfortune of being raised in a deeply toxic home."I'm not going to die," I told him, keeping my voice steady and firm. "I'm going to stay right here and watch you grow up."The issue with the surgery funds was ultimately resolved in a way I never could have anticipated.Dr. Kelly shared my story online. She kept all real names anonymous,

  • The Death Benefit   Chapter 9

    "You can't do this! I have rights! I want my lawyer!" Daniel roared, thrashing against the officers' grip.Sandra collapsed into her chair, her whole body shaking. "No... it wasn't my idea! He's the one who made me cut her medication! I was just following his orders…""Mrs. Warren, you're coming with us too," James said coldly. "Accomplices are just as guilty."The officers pulled Sandra to her feet as she screeched, "I'm her mother! How could I possibly want to hurt my own daughter? Everything I did was for her own good!"Out in the hallway, I sat quietly in a wheelchair.Dr. Kelly stood behind me, holding the handles as we watched the scene unfold from a short distance away.Sandra caught sight of me, and her expression instantly shifted from terror to pure rage. "It was you! Freya, you recorded us! You ungrateful little brat! We raised you for twelve years, and this is how you repay us?!"I stared at her, my voice calm."Mom, you raised me for twelve years. But it only took

  • The Death Benefit   Chapter 8

    At 5.30 p.m., Daniel finally arrived at the hospital.Sandra was already waiting in the hallway. Her eyes were red, but Daniel could tell immediately that she hadn’t been crying.She was nervous.Dr. Kelly sat waiting for them inside her office. "Mr. and Mrs. Mason, please have a seat.""Freya's heart function is dropping at an alarming rate. If she doesn't undergo surgery within the next forty-eight hours, she won't survive the week."Sandra gasped. "Th-that fast?"Daniel remained expressionless. "How much is the surgery?""Three million dollars.""And the success rate?""Sixty percent."With that, Daniel went completely quiet.Sandra cast a quick, silent glance in his direction. For one brief second, their eyes met across the desk, conducting a silent exchange.'No surgery.'"Dr. Kelly," Daniel spoke up, breaking the silence. "We need some time to think it over.""Think it over?" Dr. Kelly's voice rose, sharp with disbelief. "Mr. Mason, your daughter might not survive t

  • The Death Benefit   Chapter 7

    James Hawthorn didn't look like a high-profile prosecutor when he arrived. Wearing a casual jacket and wire-rimmed glasses, he looked more like a university professor. He sat by my bedside and listened as I walked him through everything from the very beginning. Then he listened to the recordings."The surgery costs three million, and the survival rate is only sixty percent. We’re better off keeping the money and waiting for the payout. That’s five million straight to the bank.""I've already cut it down to one pill a day. In a few days, I'll stop giving it to her altogether.""One month left. When the time comes, we'll just say her condition took a sudden turn for the worse. Death by natural causes."James took off his glasses and rubbed his eyes.In his fifteen years as a prosecutor, he had worked on murders, high-level corruption, and organized crime cases. But this was the first time he had ever heard parents so calmly planning the death of their own daughter."Freya.""Yea

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