I think it's a good idea you stay a year and see what happens if it's what you want to do. You've done so well at GALing....and have such a life full of many things. I wish my life were so full of exciting and fun things to do. I think your DIL could really get a good little business going for herself...especially over there! And you would be such an asset to her and help.
Plus your friend still needs you and I know you want to be there for her.
I say go for it Wendy.
And yes, there is something fishy about that employer and insurance. That should be taken out of wages and printed out on their wage statement. I have never heard of anyone making out personal checks to their employer for insurance.