Health Insurance

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Re: Health Insurance

Unread postby Snowblower » Mon Jan 08, 2018 10:14 pm

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Re: Health Insurance

Unread postby Snowblower » Tue Jan 09, 2018 10:01 am

lionel2013 wrote:
The paragraph he quoted about not changing anything, including "beneficiary designations", applies to things like pension, 401k, life insurance policy. It does not specifically state anything about medical insurance where it's more than about beneficiaries, it's about dependents.

Nevertheless, as is I don't think he's obligated to keep on covering her. If I were him I'd just let her go for it and try to get a judge to order it.


I think I agree with this. Like I said, the requested provisional orders by her requested this specifically and that was never signed. The counter stipulation I did is specific to financial matters and medical was not included. I agree with TJin that it will be challenged by OC as misinterpreted but that is a miss on their part. If they want it they will get it but I want her to have to request it (and pay for that request). As for negotiations, her income for calculating CS and SS was based on part time hours and not full so I would like to revisit this. I jumped on the stipulation signing because this secured the house and 50/50 for me. Maybe I can get this reduced a little bit.

As for taxes for 2018 I am not that worried about it because the amount of SS paid will probably be less than the standard deduction still with the new tax laws. Not sure, I will do some calculating just to make sure.

The little win here for me is that I am trying very hard to move action on this and she is stalling. The reason she is stalling is because she is trying to get halfway through the year with TO giving her CS, SS insurances etc and she does not have to do anything. She is avoiding mediation and has not responded to any PSA proposals. Although an accident this might help drive some action. Thats my other post I need to rekindle. Good advice, thanks guys.
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Re: Health Insurance

Unread postby TJinCA » Tue Jan 09, 2018 2:59 pm

Snowblower wrote:As for taxes for 2018 I am not that worried about it because the amount of SS paid will probably be less than the standard deduction still with the new tax laws. Not sure, I will do some calculating just to make sure.


You know, I was thinking about this and just went back and checked my return from last year. I noticed that SS paid is not really a deduction (doesn't show up on Schedule A) but an adjustment which is subtracted from Total Income (1040 line 22) to get to Adjusted Gross Income (1040 line 37) and then deductions are subtracted to get to Taxable Income (1040 line 43).

So I think for orders prior to 2019 you'll be able to subtract spousal support from your income, and in addition be able to take the $12,000 standard deduction (or itemize other deductions like mortgage interest, SALT, etc. if they exceed your standard deduction).
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Re: Health Insurance

Unread postby Snowblower » Fri Jan 19, 2018 10:12 am

This one is kind of backfiring in my face but I probably should post in case anyone else runs into this in the future. I was told that it is my legal obligation to have notified her in writing that she was not going to be enrolled on my health insurance unless I have verification she has coverage on her own. My attorney represented someone that this just happened to and the judge held the husband accountable and was ordered to pay all bills insured or not. To make matters worse my company will not add her own without a court order and they are standing firm on this. So now, I am not only being advised that I should pay for her coverage, but also pay for the new CO stipulation that defines the coverage is employer coverage......or I have to pay for her private coverage on the market...............such bs.
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Re: Health Insurance

Unread postby TJinCA » Fri Jan 19, 2018 10:25 am

So looking back and at your situation now, what would have been the better course of action do you think?
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Re: Health Insurance

Unread postby Snowblower » Fri Jan 19, 2018 10:30 am

Really? Posted for that reason obviously......
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Re: Health Insurance

Unread postby Trevor » Fri Jan 19, 2018 10:33 am

Kinda stupid to try to reinstate her on your policy when you're getting divorced, and she'll be removed again at that time (employers don't cover Xs).

Choices seems to be: 1) let it ride until you're divorced, and if she filed a claim you might have to pay that part not covered by the terms of your existing policy (as though she were covered). 2) cost out a limited-term policy that approximates your present coverage and buy that.

Yes it was dumb to remove her when she doesn't otherwise have coverage. Worst case, she could she get in a car accident before you fix this, you're likely going to be quite poor for a long time. Are you risk averse? [Rhet.]
"Personal density is directly proportional to temporal bandwidth."
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Re: Health Insurance

Unread postby TJinCA » Fri Jan 19, 2018 10:41 am

Snowblower wrote:Really? Posted for that reason obviously......


The update on the current situation is definitely appreciated. The question was meant honestly, not as snark.

If you could go back to October, what would you do differently? Or put another way, if someone is facing the same situation next year during open enrollment, what would you recommend they do?
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Re: Health Insurance

Unread postby Snowblower » Fri Jan 19, 2018 11:30 am

Trevor wrote:Yes it was dumb to remove her when she doesn't otherwise have coverage.[Rhet.]

Exactly, need to get it fixed.


The plan was to reinstate which I attempted at the end of last year if the divorce was not finalized. These benefit companies are very strict on the enrollment periods. I verified with them in October that she could be reinstated with a court order and this was no problem. For anyone that runs into this in the future it is all how about how it is spelled EXACTLY on the CO. Needs to say "Employer Coverage" in the CO and not just medical coverage otherwise they are not obligated to follow it. I should have made them clarify this in writing somewhere and not head nod on a phone call. Long story short, it is easier to use the final decree to make a QLE and remove vs add. Trying to get some help from the company but probably still a no go. Lesson learned.......moving on
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Re: Health Insurance

Unread postby Havalu7 » Fri Jan 19, 2018 12:06 pm

SB remember that your posts help the newbies.

Lawdie knows I made some big mistakes, but your attitude of moving forward and making the next right step is noted.

Keep that shovel dirty with the new guys snow.

Clean up on aisle 6 isnt just about helping you; others are hopefully learning from our mistakes.
"No." is a complete sentence.

Do not move out of your house.
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