This Week’s Blog by Jaime S. Dursht.
HEALTH INSURANCE COVERAGE DURING AND AFTER DIVORCE IN CONNECTICUT
Typically families and couples rely on a single health insurance coverage plan, either through the spouse’s employer or privately, to maintain coverage for the entire family. Once a Judgment of Divorce is entered, the non-subscribing spouse is no longer eligible for coverage under the former spouse’s policy.
CAN YOU REMOVE YOUR SPOUSE FROM HEALTH INSURANCE DURING DIVORCE?
No. First, health insurance regulations do not allow the removal of a covered beneficiary from a policy except during specific periods, but Connecticut Family Law also prohibits removal during the pendency of a divorce action. Doing so is a violation of orders that go into effect at the inception of a divorce case and may result in court-ordered penalties and remedial action.
WHAT IS COBRA AND IS ITS COVERAGE AUTOMATIC?
COBRA is the acronym for Consolidated Omnibus Budget Reconciliation Act, the federal law that allows a spouse who loses coverage due to divorce to continue coverage under the same plan for thirty-six months. The spouse who elects COBRA coverage must take steps with the policy plan administrator and pay for the continued coverage individually. It is advisable to comparison shop before divorce is final to determine whether COBRA coverage is the right option because it is temporary and can be costly. Information on available options is available at www.accesshealthct.com.
WHICH SPOUSE IS OBLIGATED TO PROVIDE HEALTHCARE COVERAGE FOR THE CHILDREN?
The State of Connecticut requires parents to provide health insurance for minor children according to their respective abilities until the later of child/ren reaching the age of 18 or graduating high school but no later than the age of 19. In a divorce, it is typical for the spouse whose coverage is in effect at the time of divorce to agree to continue doing so for so long as it remains available through an employer at a reasonable cost. If it is no longer available to that spouse at a reasonable cost, then the other spouse typically agrees do so if available through an employer at a reasonable cost. If it is not available to either spouse, then both may agree to share the cost of private coverage or apply for HUSKY coverage. Many divorcing parents, agree for health insurance to extend to age 26, the maximum allowable age limit in Connecticut, or until the child is able to secure health insurance through his/her own employer, spouse or domestic partner.
HOW ARE UNREIMBURSED AND UNINSURED MEDICAL EXPENSES PAID AFTER DIVORCE?
Divorced spouses are responsible for his/her own unreimbursed and uninsured medical expenses, including dental, vision and prescriptions. For as long as either parent is responsible for a child’s health insurance, unreimbursed and uninsured medical expenses are paid in proportion to each parent’s percentage share of combined net income but the parties may also to pay according to a different percentage that is negotiated.
ARE FORMER SPOUSES ELIGIBLE FOR MEDICARE BENEFITS?
Medicare is a national health insurance program that provides health insurance for individuals and their spouses who are 65 years and older and who have paid Medicare taxes for at least ten years. After a divorce, one may still be eligible for Medicare based on the former spouse’s work history. In order to qualify using a former spouse’s employment history, one must be unmarried and at least 62 years old, the marriage with the former spouse must have lasted for at least ten years, and the benefit from one’s own employment history is less than that of the former spouse.
The attorneys at the firm of BRODER & ORLAND LLC, with offices in Westport and Greenwich, Connecticut, are very experienced in all facets of divorce including issues that involve healthcare coverage for the parties and their children.