Maintaining Your Health Insurance
There are many things to consider during divorce, and health insurance should be one of them. Having adequate health coverage is important, especially if you have children. When you work with our team at Lois M. Brenner, Esq., we can explain some of the health care options available when you are separated or going through a divorce. We have been serving and protecting NYC families for over 35 years.
Overlooking Your Health Needs Could Be a Costly Mistake
Divorce changes many things, but what it will not change is the fact that you and your spouse will continue to have concerns—not only about your own health, but also that of your children. And with those concerns comes the need to have adequate health benefits to cover your family members.
Overlooking your health needs can lead to costly mistakes in more ways than one, so if you are in the legal separation or divorce process, now is the time to look over all of your financial documents (health policies, life insurance, etc.). Talk this over with your legal counsel.
When a marriage ends, there are normally several options for acquiring health coverage for yourself and your children, regardless of who gets custody. Many times, it’s a matter of which option to pursue.
About the Consolidated Omnibus Budget Reconciliation Act (COBRA)
The Consolidated Omnibus Budget Reconciliation Act (COBRA) is a federally mandated law designed to protect employees and their families from losing coverage as a direct result of divorce, death, job loss and other life circumstances. For example, if your spouse maintains coverage through a company, and that company employs at least 20 people, you may continue this coverage for up to one and a half or three years—provided you are willing to pay the premium or monthly fee.
Coverage Through Your Employer
If you are currently employed, and your employer offers an affordable healthcare plan that works for you and your budget or financial situation, then by all means see what it has to offer. Enroll if it fits your budget and meets you and your children’s medical needs. While years ago it may have been cheaper to get coverage under your ex-spouse’s policy, this may no longer be the case in today’s market and health care environment.
Coverage as a Part of Your Divorce Settlement
Ask, if you were to find your own health benefits, whether or not you can be compensated by your spouse for a portion or all of the cost in the divorce settlement if you need this financial assistance.
Purchasing Individual Health Insurance
In some cases, purchasing individual health insurance may be your only or best option. Once again, you may have to pay the monthly fee on your own, but you can find out what is available. Ready or not, divorce brings changes – some may be welcome, some not. But try not to let financial issues became a reason to stay in a relationship that no longer works, because it may be costly to the mind, body and spirit of everyone involved, including your children.
To learn more about your healthcare options, call us at Lois Brenner, Esq.: (646) 663-4546.
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"Like at First Sight!" We consulted Lois on the best, most cost-effective way to get divorced. First, she extended a free in-office consultation to us. It was supposed to be one hour; it was an hour and a half. She was gracious, didn’t rush us, explained thoroughly all the ins and outs of going to court, and answered thoroughly lots of our questions. She also shared lots of great information on divorce mediation, which we really knew nothing about, and now we have decided mediation will be the best route for us. We knew in the first 10 minutes that we really liked and trusted her. We are starting our mediation process with her next week. We are really looking forward to working with her. We feel strongly she is the best person for us.- Jen
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Going through with our divorce was very difficult time for me and my ex husband. Finding the right lawyer was very confusing, frustrating and time consuming. I was very lucky to find Lois. She is professional and human at the same time. In a few sessions she answered all of our questions, gave us great advice and filled and filed all paperwork for us. Our divorce was finalized very quickly and thanks to Lois it was very smooth process. If my best friend would need a divorce lawyer I would recommend Lois without any reservations.!!! Christina C.- Christine C.
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“We saved thousands of dollars!”- Gloria
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I had a complicated situation wherein I had to get a divorce through publication as my husband and I had not been in contact for 5 years and I was out of the US for a few years. (it was an abusive marriage) I reside in Buffalo and I spoke with several attorneys locally but I did not feel that any of the local attorneys were able able to understand my situation. Some suggested that I locate my husband, and each one of them wanted to start by identifying and listing the assets. Unsatisfied, I started looking for attorneys in NY city, and I found Ms. Brenner through Avvo. During the consultation, she was extremely kind and understanding and agreed to take on my case. Ms. Brenner helped me get a divorce through publication and she/her team took care of everything. All I had to do was provide her with documentation. I am grateful to Ms. Brenner for helping me get out of a sticky stressful situation. I would definitely recommend her to anybody in a similar situation. Thank you, Ms. Brenner.
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Thank you Ms. Brenner! It was a rough summer trying to get our parenting agreement together.but you really helped. My ex-husband and I fought all summer about what the children's schedule would be once school started. Your endless guidance and productive sessions with us made all the difference. You straightened us out with your sound, caring advice. We both feel better now. Our kids feel better too. Thank you, thank you. We hope you had a great summer. We will recommend you highly to anyone needing a family law attorney.- Brenda
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What a gem! Lois Brenner is the best out there by far... She got my husband and I right away. Listened, guided, let me cry, and never gave up on us during our mediation sessions. It was not easy but she made it possible. Even my husband liked her and agreed to mediate after we had lots of arguments. Thank you Lois. I already recommended you to my cardiologist. Have a happy, productive New Year.- Bernie A.
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Lois was an absolute pleasure to work with. She worked on a prenuptial agreement for me. Our very first conversation put me at ease. She was interested in my upcoming marriage and wedding. She assured me the prenuptial agreement could be drafted quickly. She made intelligent recommendations to address some of my complex financial decisions. She also made sound suggestions to protect my multi-million dollar portfolio. Our wedding is coming up and will be a lot smaller than we originally thought due to COVID-19, but Lois Brenner got our prenuptial agreement done in time, and made it a lot more pleasurable experience than I thought it would be. I would recommend Lois to anyone seeking a truly skilled attorney to draft their prenuptial agreement.- Glen Mearns
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“You are truly the best divorce attorney in New York!”- Christine
