Divorcing

[barefut]

I'm covered through hubbys employer but not for long....Anybody else been in the same boat? What can I do? Help!

[raggedyann1]

Barefut,

This is where the Cobra laws come in. You have a right to continue the insurance ( at full cost) for up to 36 months. I have no idea what your monetary situation is but some divorce decrees require the husband to continue insuring the children and to pay for the wife for "x" amount of time. I would think especially with your health your attorney should be able toget that for you.

Your other alternative - if you are going to be at poverty level is medicaid insurance. Are you filing for SSDI? Have you worked recently enough that you are eligible for ssdi? That would get you medicare 29 months from your disabled date.

You need to sit down and figure your income out. how much child support your husband will be paying and so forth. Then you will be able to make decisions. However in the meantime enact your Cobra rights. If you don't do it within 63 days of losing coverage you won't be able to get it. Going with Cobra is NOT a long term committment if you have other alternatives - the key is not to go 63 days.

Hang in there,
Karen

[zara]

Alimony and Cobra....I think Karen summed it up well.

[flowergarden]

I agree with Karen. I kept a COBRA account when my insurance ended. I can stay on it until I get Medicare.

Get a good divorce attorney. Borrow money to pay for him/her if you have to. Mine was excellent and caring. He made sure that I was taken care of for life. We had what was called a "long-term" marriage, so Tom has to pay me maintenance for life. In exchange I gave up claims to his Social Security, but retained claim to half of the retirement he earned while we were married.

A good attorney is worth more than his weight in gold. Mine knew that I was ill and wanted what was best and fair.

Good luck, Barefut!! style_emoticons/<#EMO_DIR#>/hugbetter.gif style_emoticons/<#EMO_DIR#>/flowers.gif

[LilliesPad]

I agree, Cobra and alimony and/or state aid. Good luck barefut, divorce is never easy.

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[alobreto]

I think you've gotten excellent advice here. Getting a good attorney is the best thing you can do, and electing COBRA within the time limits will help preserve your rights.

I wish you well as you move forward. Divorce is a difficult thing to experience.
Angela style_emoticons/<#EMO_DIR#>/flowers.gif

[Pickles]

style_emoticons/<#EMO_DIR#>/foryou.gif style_emoticons/<#EMO_DIR#>/hugbetter.gif

I also think you got some good advice.. If you can't afford an attorney, check with Legal Aid, maybe they can help or maybe you can pay the lawyer after you get some money from hubby. I just wanted to wish you the best of luck and the best of health

Take care of YOURSELF