A divorce brings up big questions like “who will have custody of the children?” and “how will we fairly divide our joint property and assets?” While these large topics are important to work out, many other details are also important when you are going through a divorce. One issue that you might not have carefully considered is the benefit of health insurance. Many times, spouses and families are all on one health insurance plan. So what happens when the family divides and the primary health insurance account holder is no longer a part of the marriage? What happens to a group health insurance plan when a marriage dissolves?
Including continued health insurance in a divorce settlement is a common practice to protect children and a spouse previously covered under a group family plan. If you believe that it is important to include this detail in your divorce settlement, be sure to discuss this with your lawyer. You will want to bring insurance records, statements, bills, and any other relevant documentation to the table. It is helpful to outline current medical needs. Are there specific medications you will need in the coverage? Do your children require any auxiliary therapy or medical treatments that are currently covered by your insurance plan? These points will be helpful to explain when you are requesting continuing insurance coverage from your spouse.
If you are the primary carrier for your family’s healthcare plan, it is advisable to consider how to fairly continue coverage in the event of the divorce. In the short term, you might be able to work out an agreement in which you and your ex split the cost of health insurance. In the long run, you might want to set a date in which you and your spouse agree that you will cover half the cost of your children’s insurance and your spouse will find their own plan. There are many different options and every situation is different. An experienced family law attorney can help you work out the details.
During the divorce process, when you are in the middle of dividing your assets and determining other factors that will impact your life, it is important to work with an attorney who understands how difficult the divorce process can be. At the Law Offices of Piazza, Simmons & Grant, LLC we work aggressively to represent the best interests of our clients. We can help outline your options when it comes to health insurance and make sure that you and your family will remain properly covered. Failure to maintain insurance can create an overwhelming financial burden if not properly addressed. Call us today at 203-348-2465 to set up a consultation to review the details of your divorce, or contact us online. We are available and ready to help you navigate this difficult time.