Is a mother sinful who takes a retirement pension in her name, knowing that her children are the ones who paid the contributions, and that she possesses other money from which she does not give her children despite their need?

A mother may take from her son's money as long as she does not harm him and does not give it to anyone else. If she takes from her son's money to give to his siblings, then she is unjust. Commercial insurance is not permissible, and any amount from the insurance money that exceeds the paid premiums is not permissible for the insured to take. Rather, it must be returned to the insurance company. If it is not possible to return it, it should be given to the poor and needy.