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Can You Keep Your Spouse’s Health Insurance After A Divorce?

Can You Keep Your Spouse’s Health Insurance After A Divorce?


There are many health insurance issues that may be overlooked during a divorce, such as:

1. Is the ex-spouse still covered after divorce? For how long?

2. Can one party cancel health insurance coverage during the divorce?

3. What about health insurance coverage for the kids?

It is a common misconception that a spouse will continue to be covered under their ex-spouse’s plan after divorce. In fact, the parties need to be advised that as of the date of the decree, the ex-spouse is no longer eligible for coverage.

Any medical treatment incurred, even though the doctor may treat you, will be back-charged at full rate because health insurance coverage ends on the date of divorce. If you need any medical treatment, get it before the divorce is over, because you will have no coverage after that.

Employment lawyer Andrew Rempfer, Esq. was interviewed about the possibility of continuation coverage after the divorce. Mr. Rempfer noted that providing continuing coverage for an ex-spouse is critically important to consider when crafting the divorce decree because an employer sponsored health plan may only provide COBRA coverage, which generally costs 102% of the total premium costs, and expires after 36 months.

Sometimes the party who carries the insurance will spitefully delete the soon to be ex spouse from the company insurance plan, prior to the decree of divorce. If the spouse who cancels the insurance works for an employer with more than twenty full time employees, then the employer could be violating state and federal laws for allowing the employee to remove a spouse from an employer health plan prior to the decree of divorce.

Mr. Rempfer commented that, “under state laws, IRS Code Section 125, and ERISA, an employer cannot allow an employee to make changes (including canceling coverage) unless there is a COBRA ‘qualifying event’. A COBRA qualifying event includes the end of the marriage by entry of the divorce decree, or legal separation. “In other words,” Mr. Rempfer noted “the employer cannot remove the spouse from the employer-sponsored health plan until after the divorce or legal separation is finalized.” Failing to comply with this could render the Plan in violation of ERISA and COBRA.

If a spouse does cancel insurance coverage during divorce, and the other spouse, relying upon such coverage, incurs medical costs, it may be argued that the medical debt incurred, if incurred prior to a signed divorce decree because one spouse canceled coverage, the debt should be the cancelling spouse’s sole debt. Any medical costs incurred after divorce, even if one spouse believes there was coverage, would be that person’s sole debt.

Pursuant to state law, parents must provide health insurance coverage for their children after divorce. Consequently, Mr. Rempfer noted, it is critical that the Court’s divorce decree clearly set forth who bears responsibility for continuing health care coverage for any children. In a perfect world, the child would stay on an employer-sponsored health plan, and thus not be subject to COBRA. In reality, if geography or other unique family dynamics may make this impractical. In that event, there may be no choice but to seek COBRA, and those extra costs associated with COBRA should be addressed in the divorce decree.…

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Divorce Attorney – Negotiating to Get You the Settlement You Deserve

Divorce Attorney – Negotiating to Get You the Settlement You Deserve

If a divorce is in your near future, it is important that you choose a well-respected, trusted divorce firm that demonstrates courteous, ethical and professional service to all their clients. The divorce attorney at this firm will have the knowledge of divorce law and be qualified to offer you advice and guidance through your entire legal process. The attorney you hire should have extensive experience with handling divorce cases in the area you reside. This lawyer will benefit your case by having knowledge of what to expect from the judges in your area.

One of the things you should be able to do with your divorce attorney is communicate with them. Although people may think this is a given because they may feel in order to effectively represent a case, an attorney must communicate with the client, however, the number one complaint of clients against their divorce attorneys is that they do not effectively communicate with them. Your lawyer should be prompt and accessible in responding to your requests for meetings, emails, and telephone calls.

Another important benefit your divorce attorney can provide for you is interacting with your spouse. Divorce is stressful, emotional, and frustrating at times, and can become impossible to finalize civilly without a legal mediator. Your attorney will work directly with the opposing team in order to reach an agreed upon settlement as quick as possible. They provide you with the assistance that will help you avoid corresponding with your partner until the final court day is reached so you can finally come to the end of your marriage. Without the aid of your attorney, there might be manipulating and arguing by both parties, putting one individual at risk of ending up with an unfair outcome. Topics such as children, money, and property are top issues within a divorce, and with the help of a competent divorce attorney, all of these get fair consideration.

Although it might seem that many parts of our life is unfair, getting the help of an experienced and professional lawyer will ensure you are treated fairly during your divorce proceedings. It can be virtually impossible to get through life-altering life experiences without the help of others. Your attorney will spend the necessary time on your case gathering all information relevant to your case so they can represent you effectively. After a thorough analysis of your case, they go on to complete the paperwork no one else wants to do. Hiring a professional divorce attorney will help you be prepared for your case and help you get an outcome you deserve. All you have to do to get things in motion is to call and set up an appointment to discuss your case.…

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Should You Hire a Divorce Attorney?

Should You Hire a Divorce Attorney?

Today’s economic crisis continues to create a challenging environment for everyone, but those that are facing divorce, the challenges are particularly taxing.

As couples look for stability and calm, divorce is a very turbulent time. There’s a need for detailed planning and it deals with leveraging of talent. I read an interesting email from Frank Kern, where he describes how he went out and bought a video camera, and microphones and lighting to create the perfect video to promote his products online, only to discover he didn’t have the know-how and ingrained talent to succeed. Divorce is the same way – sure you can get to the finish line, but it might be a sloppy finish. Hiring the right divorce attorney will make sure all the details are taken care of.

Utilizing the skills and talents of a Divorce Attorney is proving to be a cost effective divorce solution to meet the needs of a couple looking to divorce. Let’s face it, divorce is a time of highly agitated emotions and it can be very difficult to discern the important from the insignificant. You may not be in the right state of mind to be making these very important detail-oriented choices. You may think nothing of changing your status on Facebook to “single” but that alone may have a very big impact on your intentions to a judge. Small and, what you may think, is insignificant could be hugely important to your divorce attorney and may become an integral part of the divorce attorney’s strategic planning.

The decision to hire a divorce attorney may seem difficult to understand until all the benefits that come with having a “specialist” on your team are completely appreciated.

What Are The Strategic Benefits Of Hiring A Divorce Attorney?

Before we look at the benefits of hiring an attorney, we want to make sure that your attorney is reputable!! You will need to check around with others, and although this can be an embarrassing time, it’s important to bring it out into the open and get input from others.

Reputable Divorce Attorneys ensure you are provided with the talent and expertise to…

1. Recognize what is important to your case, and what to ignore.

Identify when/if you need additional experts, i.e. private investigators or forensic auditors or accountants, and how to find those experts.

Facilitate, if the parties agree, mediators and the mediation process.

Believe it or not, people that are going through divorce, sometimes become a little unbalanced and irrational. Hmmm, imagine that! A good divorce attorney will help you to maintain emotional balance. And if your spouse thinks that it’s okay to key your car or set your clothes on fire in the driveway, your attorney will make sure that the scales will balance those acts out. AND your divorce attorney will help you see the futile nature in a meant spirited act like that. Although it’s hard to believe right now, you’ll be proud of yourself in the long run if you DON’T succumb to those urges.

Your attorney will identify exactly what needs to be done and the timing of the legal requirements of a divorce.

Your attorney will motivate you by bringing fresh thinking to your future.

Experienced divorce attorneys know exactly what their roles are and what they need to do to bring this divorce to a swift and successful conclusion. Try to remember that attorneys get paid when there is turmoil between the couple, when things are quiet and calm, lawyers don’t make money. That being said, there is no shortage of “divorce” business, so your attorney want to bring the divorce to a close and move one to another case. Swift and successful may not make you 100% happy with the decision, but at least it will be over and you will be able to move on. There is always give and take in these situations.

There are legal details about divorce, that, if not taken care of properly can come back to haunt you years later. I recently attended the courthouse to pick up a certified copy of my own Divorce Decree and there was a couple in there wanting a Marriage Certificate, but because his divorce, eight years ago wasn’t filed correctly, they were having all kinds of trouble!!

Hiring an attorney is a big step and it can be a scary “no turning back” step, but if you’re sure that divorce is in your future then go ahead and take the decisive action to hire the right divorce attorney. After it’s all said and done, this divorce will be another learning experience. Match the direction you have to take with the expertise only a qualified attorney can provide.

Check my other blog entries to find the LIST OF …

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What You Should Know Before Contacting a Divorce Attorney

What You Should Know Before Contacting a Divorce Attorney

Divorce, the big D word, is the second most feared word, only behind Cancer, the Big C word, in the United States. What created this terrible fear, which ranked so closely to a word associated with death? Let’s exam possibilities.

The divorce rate in 1991 was 47% of all marriages, nearly half of all blissful matrimonies ended in a contested divorce. However, by 2005 the divorce rate plunged a substantial amount to 38% of marriages.

What occurred to substantiate such a large decrease in divorces in only a 14 year span? One would like to think Americans had finally grown up and realized you can’t divorce someone every time you disagree with them, or perhaps the country went through a religious revival which raised moral character, that saw divorce frowned upon.

Unfortunately, government statistics don’t support either of those two possible reasons, nor any other possible Positive outside influence which could account for the reduction. However, what the numbers did reveal was Americans were foregoing getting married and were instead, living together, no marriage – no divorce.

Apparently moral character had not increased, but in actuality, decreased. What could have happened to plunge America’s moral fiber to such depths and what role, if any, did divorce play in the event?

In reality there was nothing wrong with America’s moral fiber and when pushed to the point, Americans respond as America always had, helping the unfortunate and protecting the weak. People were no more, or no less in love than any other time in history. So what happened?!

To sum it up in two words, Divorce Lawyer. The percentages of marriages resulting in divorce and the lucrative amount of fees available to be extracted from vindictive spouses produced a glut of lawyers specializing in divorce.

A once despised type of attorney known as “Ambulance Chasers”, because they preyed on the vulnerability of people in an exceptional mental and emotional stressful state of mind, were replaced by divorce lawyers as the most hated people in the legal society.

Because there was such a glut of attorneys the supply out stripped the demand, more divorce lawyers than divorces, which created competition for clients. The only way lawyers could stay fat with fees was to obtain a reputation of extracting every last dime possible from an estranged spouse, which was usually the husband.

There are thousands of horror stories of the two divorcees, the plaintiff and defendant as they are called, who were left with nothing except broken dreams, no assets and in most cases owing outstanding balances to the two lawyers involved. Divorces began to resemble shark feeding frenzies.

A couple does not have to retain lawyers in order to get a divorce. All the legal procedure and documentation can be processed with the help of the Court Clerk. In reality this applies to probably 1% of divorce cases, because rarely is a divorce amicable. So if one spouse hires an attorney, the other one is forced to and the feeding frenzy begins.

If faced with a divorce, which you and your spouse can not come to a financial agreement, which is always the best avenue, and you’re forced to hire an attorney, be very careful in choosing.

The best way to choose one is through word of mouth. Ask around, there’s no doubt someone at work, or church, or the gym who has had or knows of someone who has been divorced. See who they retained and their recommendation.

If you have to get one out of the Yellow Pages, interview them and don’t be bashful about asking questions. I have found lawyers will stick it to you and not blink an eye, don’t blink an eye when asking direct questions about their fees.

I had a very close friend pay a lawyer $3000 to represent him in his divorce, assuming and rightfully so, that was the fee for a finalized divorce. Two months later he received a bill for an additional $2000. When he inquired as to what the bill was for, he was told the $3000 was just for the lawyer to take the case, any legal work he did was extra.

My friend fired the attorney, who in turn sued for friend.

When dealing with divorce lawyers the old saying “Buyer Beware” applies very strongly.…

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Divorce – 5 First Steps Of Divorce

Divorce – 5 First Steps Of Divorce

There are a lot of steps to follow in the divorce process. Below is a list of the 5 first steps that you can in mind, the whole purpose of the divorce process is to get husband and wife together face to face enough times that they are able to negotiate a full settlement outside of court:

Step #1 – The first step in the divorce process is for you to make up your mind that you are ready to let go of the marriage and move forward with a divorce. Once you know you are ready, call a divorce lawyer. If you do not know a divorce lawyer, just ask a close friend or family member for a referral. Chances are, you know someone who knows of a reputable divorce lawyer. When you call the divorce lawyer, be prepared to provide him with a short summary about the facts of your case and be prepared to schedule an initial interview.

Step #2 – The initial interview will last 30 minutes to 1 hour. At it, you and the divorce lawyer will discuss the facts of your case in detail – you will also discuss the options, short-term strategy for getting the divorce process started, and long-term strategy for resolving each one of the issues either by settlement or by trial. You will be given a copy of an intake sheet (every divorce lawyer has one). The intake sheet will ask you questions about you, your spouse, your children, each item of marital property, and each account that is marital debt. You will take the intake sheet home, fill it out thoroughly and legibly, and then return it to the lawyer’s office.

Step #3 – Once the lawyer has received the completed intake sheet from you, he will begin drafting the initial paperwork. Once the initial paperwork is drafted, the lawyer will then file it at the county court house and ask the judge to schedule the initial court divorce will officially be underway at this point.

Step #4 – The initial court appearance is usually just an informal conference. At the conference, you and your spouse will either sit down together and watch a video about helping your children cope with the rigors of divorce or you will meet with the judge and hold an informal conference with the judge about the status of your case. Either way, at the initial court appearance, you and your lawyer will have ample opportunity to meet with your spouse and your spouse’s lawyer to discuss settlement.

Step #5 – If a tentative settlement cannot be reached at the initial court appearance, the matter will be set for hearing in front of the Judge – at the hearing, the judge will resolve the unsettled issues for you.…

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Choosing a Divorce Attorney: How To Best Make Your Selection

Choosing a Divorce Attorney: How To Best Make Your Selection

Going through the dissolution of your marriage can be one of the most stressful, confusing times in a person’s life. It is hard on any kinds that you might have, it is hard on both the husband and the wife, and it is hard on the family structure as a whole. During this time of crisis, it’s difficult to think about such precise matters as choosing a divorce attorney, but it is a decision that must be made. If there are assets and custody in dispute, you will need someone to be your advocate in mediation and possibly in court. Here are some of the factors you should weigh when making your choice.

First, you want to find a divorce attorney who has gone a few rounds in the ring, so to speak. Some of the brightest minds are coming out of law schools around the country every year. They will join up with firms, start their own practices, and focus on the type of law they are best at. You don’t, however, want one of these individuals representing you. You want the guy (or gal) with some calluses built up on their knuckles. The more experience, the better. In all likelihood, this is your first time through such a proceeding, so you want to have someone by your side who has seen it all before.

You’ll want someone who can speak to you in a way that you can understand. It’s not that you need a friend as your divorce attorney, but, in a sense, that’s exactly what you need. If it comes down to choosing between an experienced soldier and a shoulder to cry on, by all means go with the soldier. But it really shouldn’t have to come down to such a choice. You should be able to depend on your lawyer as something of a therapist in this time. You will be telling them some deeply personal aspects of your life, so it goes without saying that they should make you feel comfortable.

Finally, of course, you’ll have to consider pricing. A divorce attorney is not likely to come cheap and you certainly shouldn’t put yourself in a position where you’re shopping for bargain basement legal advice sales. All the same, the most expensive guy in town isn’t necessarily the best, either. Find someone who is reasonably within your budget, while still exhibiting the kinds of traits you want to see in your legal representation.…

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3 Steps to Finding the Perfect Lawyer

3 Steps to Finding the Perfect Lawyer

Recent surveys show that almost all Americans know someone who has gone through a painful separation. While no one wishes to find themselves in such a stressful situation, it is important to be prepared to address all the legal matters that come with the dissolution of a marriage. For instance, how does one go about selecting a Georgia divorce attorney to help them wade through the process? Open a phone book in any state and one can see page after page of listings advertising the services of various firms. Truly, how does one go about selecting just the right Georgia divorce lawyer? The following ideas should definitely be considered:

– Interview some candidates. No matter how skilled or well respected a professional may be, one must be comfortable interacting on a personal level. Consider the example of a woman who contacted one of the most respected oncologists in her area. Naturally, she wanted the best care possible for the treatment of her illness. What she found was this busy oncologist, while considered by many to be unequalled in skill, was missing many of the conditions she was looking for in a doctor. His patient load was massive, his attention to his research took him away from his patients, and his gruff demeanor was a turn-off on those rare occasions where she was able to speak with him. She soon was able to receive care from another oncologist in the area, one not as popular, but attentive and available to meet her needs. Had she been able to interview both of these doctors prior to entering a course of treatment, chances are, her decision would have been clear from the start. When seeking legal representation, don’t be afraid to interview several. Perhaps all are known for their skill and success, but who is most attentive? Who is most approachable? Who inspires trust?

– Consult with family and friends. A trusted opinion is so important. Who better to advise than one who has already been through a similar experience. Talk to your best friend. Talk to your cousin. Talk to friends on the PTA. Who has a story to share? Who can recommend that wonderful representative? Professionals often know that word of mouth can sometimes be their most trusted advertisement. Rely on those testimonials. Often they can save a great deal of time and trouble.

– Spend some time on the Web. In this age of technology, any reputable firm will have a website detailing their services. Arguably, the best marketing a company can invest in is a clear, concise, and easy to navigate website. Firms know that a website can be the first impression someone will have of them. Typically, the information contained on a site will be designed to impress the potential client. The information will probably have been selected to be just what a browser is interested in knowing. If one is impressed by what is seen, the next logical step can be setting up an interview.

No one wants to see a marriage end, but there are skilled professionals ready to help one navigate the waters of legal separation. If a marriage is ending, one owes it to oneself to get the right professionals working on one’s behalf. When deciding how to select the right legal representation think about the steps and then get started.…

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Are Divorce Attorneys Still Sold on Marriage?

Are Divorce Attorneys Still Sold on Marriage?

It’s amazing how one Time Magazine story can get so much attention, but any news magazine is bound to grab headlines when it proclaims that “Marriage is Dead”, and backs that up with a reputable survey. The big takeaway from this article was that 44 percent of Americans under 30 consider marriage to be obsolete, and according to the same Pew poll, only 5 percent of under-30 set wants to get married; a number that is difficult to fathom when the wedding industry is now $40 billion plus. It is hard not to question the methodology behind this study, but it definitely raised eyebrows among divorce attorneys.

In the same week that this story hit the stands, the world was once again delighted by the prospect of watching Prince William and his fianc?� Kate walk down the aisle this spring. Meanwhile, several states are reporting unprecedented support for same-sex marriage; and divorce attorneys are seeing more requests for prenuptial agreements that ever. So what’s up with the people who responded to the Pew survey? Were they having a collective “bad day” or are they just pondering a future utopian world without the legality and consequences of a marriage contract?

Ever since this story broke, divorce attorneys have been asked how they feel about the “death of marriage”, and if they are worried how it will affect their practice, but looking at the current statistics there is no need to be concerned. According to the article, Americans still have the highest rate of marriage – and remarriage in the Western world. Even though the divorce rate is still higher than most Western nations, Americans still have a propensity to marry one another and, unfortunately, get divorced.


According to the Pew Poll which was published in one Time Magazine issue that only 44% of Americans under 30 years old considered that marriage is dead and that only 5% of this same group want to get married. Divorce attorneys are not a bit concerned about it. They believe that statistics show otherwise in that even though divorce rate is higher in most Western countries, America still has the highest rate of marriage – and remarriage.…

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5 Factors Considered for Relocation in Child Custody

5 Factors Considered for Relocation in Child Custody

Relocating to another state or more than 100 miles from the current address of your children current address is referred to as change of domicile in the courts. It can be a very complex and emotionally charged issue especially if parents have difficulty agreeing to the custody and parenting time of their children.

People value the time they spend with their children. The thought that their children will move can be overwhelming. Whether you are the parent who wants to

move away with your children, or you are the parent trying to prevent the relocation, you need an experienced attorney working for you.

If you have custody and parenting time order in place, you cannot move out of state with your children without a court order or the agreement of the other parent. These are the same requirements if you want to move within Michigan but to another state that is more than 100 miles from the current residence of the children.

It is crucial that you comply with Michigan law if you want to relocate. Below are the factors that the court considers before permitting a legal residence change. As always, the child is the primary focus in the court’s deliberations:

1. Whether the legal residence change has the capacity to improve the quality of life for both the child and the relocating parent.

2. The degree to which each parent has complied with, and utilized his or her time under a court order governing parenting time with the child. They also want to know whether the plan of the parent to change the legal residence of the child is inspired because he or she wants to defeat or frustrate the parenting time schedule.

Questions asked include:

Have both parents complied to the orders of the court regarding the time they spend with their child?

Is either parent disagreeing with the relocation for personal reasons rather than considering what is best for the child?

3. The degree to which the court is satisfied that, if the court permits the legal residence change, it is possible to order a modification of the parenting time schedule and other arrangements governing the schedule of the child in a manner that can provide an adequate basis for preserving and fostering the parental relationship between the child and each parent; and whether each parent is likely to comply with the modification. For instance, once the child has moved, the court wants to know will both parents willingly reschedule their parenting time and make the effort to preserve the relationship the child has with both parents.

4. The extent to which the parent opposing the legal residence change is motivated by a desire to secure a financial advantage with respect to a support obligation. In other words, is the parent who opposes the relocation doing so to require more financial support?

5. Domestic violence, regardless of whether the violence was directed against or witnessed by the child. The court will find out if there are there any reports of domestic violence about either parent.

In those cases when the court does approve a change of domicile, the continuing relationship between the parents and the child can easily become more difficult. That is not to say that it is possible to sustain the relationship with the parent left behind as long as that parent has substantial parenting time. It does require an effort for both parents to make the adjustment.

If the parents agree to a change of domicile they can sign a written agreement that becomes a court order. This eliminates a need for court intervention and court hearings. On the other hand, if one spouse does not agree to a spouse relocating with their children to another state or somewhere in Michigan that is more than 100 miles from the current residence of their children, it is likely that both parents will need the counsel of a competent and respected family law attorney to represent their best interests especially if you are the one who wants the children to stay in Michigan.…

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How to Pick a Divorce Lawyer

The objective of your divorce ought to be to go to a reasonable settlement while staying away from court. A few lawyers like to battle things out in trial, however that strategy hauls out the case and is substantially more costly, mediation is a smart thought. However, here and there, regardless of how great of an arbitrator you have, going to trial is the last alternative to settle questioned matters. Your Kennewick wa divorce lawyers for men ought to have a lot of understanding and not be threatened by the possibility of trial. 

While picking a divorce lawyer, you need somebody simple to work with, who knows the process and can keep up their demonstrable skill in the court. In this way, take as much time as necessary before employing a lawyer, and rundown at any rate three applicants dependent on their history and professional foundations. 

Additionally, don’t be reluctant to connect with your shortlisted Kennewick wa divorce lawyers for men for a speedy talk and any underlying inquiries regarding the cycle, for example, charging or recording timetables. This allows you to encounter your compatibility with your divorce lawyer. 

It isn’t unprecedented for divorce legal counselors to offer a free beginning interview. Start with an underlying call. Get some information about their experience and specialization inside family law. For them, it is a promotion and case evaluation procedure. For you, it is an extraordinary opening to discover more about expected lawyers. In this meeting, attorneys mean to diagram your alternatives without diving into an excess of detail. Regularly, it involves you illustrating your case for a divorce to a legal advisor and getting counsel on how they would move toward the case regarding monetary repayments or care. Get some information about their rates. Most divorce legal advisors charge an hourly expense and require a retainer — a charge charged ahead of time. A few attorneys will likewise arrange expenses dependent on foreseen settlements. Try not to burn through your time or theirs on a gathering in the event that they’re out of your budget. 

Utilize this chance to get some information about their experience managing comparable cases previously or network of support resources, for example, middle people, child rearing mentors, or even therapists. Ask them about what sort of customer they normally speak to.  In the event that a lawyer discusses prominent customers or unveils classified data dependent on different cases, it’s almost certain they’ll do likewise to you. On the off chance that they aren’t conscious of other divorce lawyers you’re talking with, it’s an indication that they won’t be to you either. 

Sadly, numerous lawyers will say to you what you want to hear just to settle the negotiation. While this is your life, it’s a business for them. There are no guarantees in this process, so if a lawyer is making promises, don’t trust it. Also, if during your counsel, they’re continually occupied by calls and messages and can’t concentrate on you, they probably won’t during your divorce case. Ensure the attorney you pick acts as indicated by the professional ethics of the business and treats you with the regard and consideration you deserve. 

Numerous lawyers are authorized to rehearse in several distinct states; nonetheless, laws can vary radically, even at the local level. You need a Kennewick wa divorce lawyers for men knowledgeable with the guidelines in your general vicinity, just as a comfortable relationship with local judges and authorities in this way you should pick a lawyer from your nearby jurisdiction.