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Medical Insurance After Divorce

You are prohibited from canceling, modifying, terminating, assigning or allowing to lapse for nonpayment of premiums, any insurance policy. If you cover your spouse or children on your insurance, do not drop them from the policy. You are probably responsible for their medical bills until then anyway. Even after the divorce, the employed spouse may want to keep the spouse and children covered. If you are paying child support, a large unexpected medical expense for the child could be assessed against the noncustodial parent as additional child support. The same could happen with alimony and an ex-spouse.

You may have the right to apply for health benefits through your former spouse’s current place of employment. Pursuant to COBRA legislation, nonemployee/spouses may be eligible after the divorce is final for certain insurance coverage at group rates. The insurance can continue up to 36 months, depending on your situation and the premiums should not exceed 105% of the current group rate. However, you must apply for this within 60 days of the date that the dissolution was final. Only if you file within that time period will you be eligible for COBRA coverage. Please check with your former spouse or through their employer immediately, as federal statutes and deadlines may change.

Reviews from People Who Have Been There

  • He explained every little step and guided me through that difficult time, giving me solid, sensible advice all the while.

    “Mr. Rice was so kind and patient that soon my fears abated.”

    Mary

  • I called Larry and I’m glad I did.

    “Larry guided me through the process to reach an acceptable out of court settlement, which was absolute Godsend for my particular case.”

    Carl

  • Nick was always quick to return emails and phone calls, and he always explained everything so that I always knew exactly what was going on and what options we had.

    “When we went to court, Nick and his staff were beyond amazing in how well they were prepared. Nick did an outstanding job in the courtroom, and he gave me peace of mind throughout the entire process.”

    Beth

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    “Mr. Rice explained all possible outcomes and what I could expect at the hearing (this really helped my stress level).”

    Previous Client

  • Results far beyond expectations.

    “Mr. Rice and his staff provided superlative knowledge and guidance.”

    Larry H.