just curious for those of you that are divorced and not working full-time. my sis is probably headed towards divorce but how does healthcare coverage work. her kids will be covered thru their dad but since she is a full-time mom (part time worker) what happens for her healthcare coverage?
She should also get a full-time job, if possible, that has health insurance benefits. Even if they may be only for her, she will be able to use her remaining money for her kids' benefits rather than have to split her money on her own benefits and her kids'
If she can't get a full-time job, then she can still hire a good lawyer so that even though she can't get benefits through her ex-husband, her kids may still be able to as part of the alimony/child support settlement. Especially the child support part. But, she has to get the best lawyer possible.
i did read somewhere that if she cant keep her coverage she could get her attorney to have him pay for cobra ins for 3 years. especially since the reason for the divorce is infidelity on his part.
Depending on the ins coverage, some compaines have a year coverage after a divorce she needs to check the policy.
some ins comp have a clause of divorce if she can afford the primiums they will just keep her on but revise the policy as her being a single parent, she needs to check it out....depending on the insurance company.??
what she may need to do if she is working part time have her to ask her boss if she can get enough hours to quilfy her for full coverage with her job? if she can do that then she needs to put her and her kids on it.
Working part time and being a mom/ takling care of her kids the ins coverage would be expensive but worth ever penny if she can get low preimiums and a detuctable that she can afford she needs to check out different insurance compaines.
until then, pray that her and her kids stay healthy.
her ex can keep the children on the insurance so that would help her...
Depending on how amicable the divorce ends up being, I wouldn't rely on having his coverage continue if they are on bad terms. I'm just sayin, I've seen some brutal divorces where there was no way that would be agreed upon. Men will pay to support their kids sure but their ex wife? Not where I come from.
Make sure her lawyer makes sure that the child health insurance is part of the child support overall package. Otherwise, the child support payments won't be enough for child health benefits.
Is the Divorce Final?
if not maybe she can seek/ask her ex to pay or keep the kids on his policy until she gets on her feet like a year or so? other wise not much she can do other than check out different ins compaines....maybe check out the state welfair system, food stamps, healthcoverage, wick, and other programs out there.
Don't be embarressed for help ...its ok... maybe SSSI? the insurance world is changing , so maybe theres hope out there!
welfare is not applicable as she and her husband make a decent living. i was just curious as to what she would be entitled to as he is the one that went outside the marriage.
she will find out next week but has already been informed by a family friend (attorney but divorce is not his field) that her husband is pretty much "screwed".
Some states adultery still matters. Old laws that need to be updated. It may be possible to obtain spousal support while she goes to college and gets and education that will allow her to earn a living similar with what she had with him. It all depends on the state's laws.
Everything will be laid out to her in court as to what the aggrement will be between her and her ex as to who gets what, custody , The house,child support, ect,,ect,, usally the child support will be a % of the income of the parent thats orderd to pay it...per child.
As for as the welfare not being applicable? I never know she worked? however if she is making a good living then she can afford to get her own insurance.
Now days with healthcare up so high the insurance would be a smart thing to do especially one with kids.
I was only suggesting it (''welfare'') never ment to offend anyone sorry.
i was never offended by your suggestion. i think the welfare system is there for a reason and a wonderful resource for people who need it. i should clarify my comment on a decent living. my sister works part time (and yes makes an ok salary for working 2 days a week). but certainly not enough to support her kids on that salary. when my sister and brother in law decided to have children they decided that she would stay home and quit her full time job. that is exactly what she did for 4 years. at that time, she was offered a pretty nice deal to work 2 days a week and coincidentally, her in-laws retired at the same time and offered to watch her kids.
when i said he is "screwed" i meant that because he works for a government agency, his paycheck would be automatically garnished and part of his pension will be given to my sister after his retirement.
the house they bought would have to be sold as no judge would order him to pay the mortgage and expect him to afford another place for himself to live in. (unless it's some cardboard box.............hmmmm, there's an idea)
oh ok,
Usally if she gets the house, ''judge orders'' then she would have to make the mortgage payments not him...usally (depending on the settlement in court) of course,,, In most states not all but community property is split 50/50...so if she sold the house then she would have to split any profit with her ex but something like the house if she could afford the payments then she needs to stay in the house.
