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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Lois Brenner, her colleagues, team of experts and staff are phenominal. I hired them to help me to see my son who had been taken out of state by my wife during this insane pandemic. She decided to take him to stay with family but then she sideswiped me with a divorce. I was devastated. Lois Brenner and her litigation partner fought for me and made it possible for me to see my son. They are handling my divorce now and their strength and support is getting me through a really tough time. They are smart, tough and highly experienced.
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I have hired Mrs. Brenner and had the best experience with her in my complicated and intense divorce. She was there for me all the way, always answering promptly any questions I had. She gave me the best advice, in such a caring and kind way. She has an amazing team of specialists, that will cover any needs you might have. I highly recommend Mrs. Brenner, you can feel she’s got your back!- JN
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I had read about Lois’ unusual divorce method in one of her blog posts. It was refreshing to see someone was working with the psychological issues in divorce. My husband is bipolar and getting him to agree to a divorce and commit to the process was tough. When we met with Lois she really understood him. She immediately identified his mental health issues, and because she has a psych background, she was empathetic to his needs and was skillful at guiding him through her divorce mediation process. It took a while but she really got us to a point where we could actually discuss things without my husband blowing up. Her method is unique and it really helped in our situation. She actually recommended a great psychiatrist who changed my husband’s meds at her urging (she has a medical degree too), and my husband is coping much better. We can’t thank her enough for her compassion and advice! If you need a divorce attorney, especially if mental illness is a part of the fabric of your marriage, go see Lois! Thanks Lois - Beena T.
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My contested divorce was brutal. Lois never flinched. She was strategic, on top of every detail, and always made me feel like I was her only client. I'm grateful every day.- T.R.
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When I first decided to hire a divorce attorney, I thought a male attorney would be best. Lois Brenner really surprised me. Although she has written a divorce book on women’s rights, she is totally an advocate for men as well. She really understood how much I loved my kids, and listened and understood all the horrible things my wife was doing to destroy their relationship with me. She didn’t miss a beat and really went to bat for me. She reached out to my wife’s attorney every time my wife made any attempt to disrupt my visiting our kids and always demanded the best results. She made herself available, even when she was on vacation! Lois has been there every step of the way in these difficult circumstances. I highly recommend her.- Sam
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I just wanted to take a moment to personally thank you for the wonderful job you did mediating our separation agreement and putting this document together. You not only saved us hundreds of thousands of dollars but helped avoid what would have been a disastrous future in court. I'm grateful you did not give up on us. If I ever am involved in another situation like this, and I hope I never am, I would certainly recommend your services.- J.M.
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You two are really the dynamic duo! I can’t thank you both enough for the incredible job you did on my case. As a young career woman and working mother of a toddler I could not have been in better hands. You really toughened me up and guided me when I was feeling really lost. I was afraid of my husband’s clever antics but you worked hard on my case and encouraged me to fight. The settlement I received exceeded my expectations. You both listened, always returned e-mails, phone calls and even reached out to me on the weekends when I was having trouble. If anyone is going through a divorce and needs the best people to fight for you call Lois and Matt. It was the best thing I ever did. There are no words to express how grateful I am.- Tara P.
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“Thank You, Thank You, Thank You!”- Sara and Jeff
