One of the benefits of getting married is sharing things with your new
spouse. Instead of two rent payment to make, there is only one. The same
is true of cable, electricity, gas and water bills. Married couples benefit
from sharing legal and financial assets and health and insurance policies
as well. When a couple is married and both are working, couples usually
cover one another under the better health insurance policy.
When a couple files for
divorce, they split up their assets. However, there are some assets they have
enjoyed during their married life, that cannot be split, and one of those
assets is health insurance.
When a couple is going through a divorce,
the spouse that is covered by his or her soon to be ex-spouse’s health
insurance, needs to contact the human resources department of his or her
company as soon as divorce proceedings begin to start the process of obtaining
health coverage under the company. Once divorced, you no longer can remain
under your ex-spouse’s health insurance. Any children in the marriage
can still be covered under the other parent’s insurance policy.
A non-employee spouse may be able to obtain COBRA insurance after a divorce,
but this type of insurance only lasts up to 36 months.
Although a divorcing individual may be able to obtain COBRA health insurance,
they are encouraged by divorce professionals to obtain health insurance
as soon as possible because, should a major health problem develop during
the divorce proceedings, a new insurance company may charge a higher premium
or may deny coverage as well.
When going through a divorce, it is very important to discuss health insurance
and any other issues with your Phoenix family law attorney, so that he
can determine the best way to ensure that your health is covered during
and after the divorce.