Rick
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PLEASE READ THIS!!!
You are entitled to COBRA as long as you are legally separated or divorced. Remember, this has to be a legal separation in order to qualify. If you are not legally separated then he still has to maintain you on his policy, as you are still legally married.
If you become legally separated, make sure that you write into the separation documents who is responsible for the COBRA premiums.
Also, because this would be a legal seperation or divorce, you are entitled to COBRA for 36 months,, not the standard 18 months.
If you are healthy, it may be more feasable for you to purchase an indivdiual plan. When doing so, make sure you work with a local agent to help you decide which policy works best for your situation
Bottom line is cover yourself legally - if you are going through a separation - do it legally and address your health insurance issues with the courts.
http://www.KnoxAssociates.net |
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Their Mom♥
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if you guys divorce or if he takes you off, until then you are covered. |
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truely human
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you really should get your own but until you do all he has to do is have you pay him for your part until you get your own...Good Luck with the insurance and I am hoping the best for your future |
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shadowmonkeyblue
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If you are not divorced then yes you will still be under his policy. |
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brainyblonde38
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You would still be covered until the divorce is final, at which time, you would be eligible for continuation under COBRA law (provided hubby's employer falls under COBRA). |
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kittyxxx123
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You will be on it unless he takes you off or until you get a divorce. |
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Dan
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Technically, if you separate, and don't live with him, you may or may not have coverage depending on plan language determining spouse/dependent status. Typically, you do. However, if your husband works for an employer with more than 20 full time equivalent empoyees (other rules apply), and your coverage ceases, you'll qualify for federal COBRA coverage even if you get a divorce. And you must be notified if your coverage ceases and the employer is a COBRA eligible firm. Some States have stricter rules (more towards your favor). The downside is you have to pay for this coverage at full price +1 or 2%. |
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Bruce T
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He might elect to remove your name from his coverage. I would not remind him of the subject of health insurance. Just call your insurance co. and ask them to verify your coverage (if it is still in effect); you do not have to tell them you are separated. If you have a lawyer or are getting a lawyer, ask your lawyer for advice. I am not a lawyer. |
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bob_frangione2000
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That is actually pretty much up to him. If he has you covered through a plan where he works, he can take you off the plan. There are some state regulations on when and why he can remove you from his coverage, and, if it is a group plan, there may be other coverage available to you. |
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Uncle Tim
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separated, yes you are still covered, divorced, no. |
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zippythejessi
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Separated, yes. Divorced - maybe. I know people who've put it in the divorce agreement that the ex- stayed on the plan until remarried or they get their own policy. |
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Accountant
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He can simply take you off his insurance if he wants to! |
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DiRTy D
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Only until he takes you off. It's his policy so he could do that. |
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mbrcatz
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Maybe. The problem is, in some states, that's a "qualifying event" to allow him to take you off the policy, but YOU won't necessarily be notified if you're taken off.
You're just going to have to babysit the plan, or talk about it, if you're on speaking terms with him, to find out if/when you get dropped. |
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Gaius Caligula
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As long as you're only seperated, you're still covered. Unless otherwise stated in the agreement, coverage will not cease until the divorce is final. |
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Barry auh2o
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Beware! If he is paying the premium to have you covered and you separate, what assurance do you have he will continue to pay the premium?? Better at something in writing. |
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