Question

[berdonj]

What is the name of your state (only U.S. law)? Hawaii, I am 55 years old and plan on getting a divorce. I wanted to know if there is anyway of me getting any assistance with Medical Insurance for just me. I am a substitute Teacher for 13 years and I am worried about health insurance that I need. Can you give me some help and advice on this matter?

 

[OHRoadwarrior]

Unless you have the funds from disposal of marital assets, to buy from the regular or "Obama" market, you need to reconsider getting divorced.

 

[ecmst12]

Disregard OHR who has no idea what he is talking about. You may be able to work out in the divorce that your husband (to be ex) will continue to cover you on his insurance for a time - that would probably be in exchange for some amount of alimony that he might otherwise pay you, or some of the marital assets. You also might qualify for medicaid, depending on what your assets and income will be after the divorce. You might want to start looking for a more permanent teaching position, which I know is easier said than done, but you can't depend on your ex supporting you forever. Do consult a lawyer though, sooner rather than later.

 

[OHRoadwarrior]

"For a time" does not cover OP, once the divorce is final. Please attempt to answer the question, instead of appearing to be smarter, when you are not. You don't get OP's drift. They want the tax payers to pay for their health insurance, so they do not need a full time job. They are trying to coast to retirement. Obamacare will cover you if you can coast to 2014, through Medicare, if your income is below 133% of the poverty level.

Disregard OHR who has no idea what he is talking about. You may be able to work out in the divorce that your husband (to be ex) will continue to cover you on his insurance for a time - that would probably be in exchange for some amount of alimony that he might otherwise pay you, or some of the marital assets. You also might qualify for medicaid, depending on what your assets and income will be after the divorce. You might want to start looking for a more permanent teaching position, which I know is easier said than done, but you can't depend on your ex supporting you forever. Do consult a lawyer though, sooner rather than later.

 

[ecmst12]

For a time might be for 10 years until she is eligible for Medicare. He is allowed to continue to cover her as a dependent even after the divorce.

 

[OHRoadwarrior]

For a time might be for 10 years until she is eligible for Medicare. He is allowed to continue to cover her as a dependent even after the divorce.

This would be a part of the settlement, as I mentioned.

 

[ecmst12]

You mean as *I* mentioned. All you told her is that she should stay married for the health insurance, which is idiotic.

 

[OHRoadwarrior]

You mean as *I* mentioned. All you told her is that she should stay married for the health insurance, which is idiotic.

"Unless you have the funds from disposal of marital assets"

Maintaining insurance for a spouse is an additional expense the court will factor into the property settlement, if it is put into the order. That means OP will need the funds to support her share from disposal of marital assets, to cover it or have enough to obtain her own policy.

 

[LdiJ]

"Unless you have the funds from disposal of marital assets"

Maintaining insurance for a spouse is an additional expense the court will factor into the property settlement, if it is put into the order. That means OP will need the funds to support her share from disposal of marital assets, to cover it or have enough to obtain her own policy.

That is NOT necessarily accurate...you are wrong on this one, ecmst12 is correct.

 

[OHRoadwarrior]

That is NOT necessarily accurate...you are wrong on this one, ecmst12 is correct.

I am not going to argue the rare instance where an employee is provided free insurance for the entire family. You are stretching.

 

[cbg]

HI is one of the two states where employers are required to provide health insurance, and HI's floor for the number of hours an employee has to work to qualify is pretty low. Even a substitute teacher, if she works frequently enough, could easily qualify.

Outside of that, and this is what I do for a living, it is not even remotely close to impossible that the STBX could be ordered to provide her with health insurance. Even after the divorce.

Those are two possibilities that can and should be investigated before we start looking at Medicaid etc.

 

[berdonj]

Support/Help

Thank you all for replying. I guess OHR, you seem to not be giving good advice. Thanks ecmst12, and Cbg for giving me some heads up.
Yup, I would hate it for me to depend on my soon to be ex for health insurance. I am just trying to plan my new life out and see what
kind of alternative/options I can do.

Mahalo Jen B

 

[OHRoadwarrior]

Thank you all for replying. I guess OHR, you seem to not be giving good advice. Thanks ecmst12, and Cbg for giving me some heads up.
Yup, I would hate it for me to depend on my soon to be ex for health insurance. I am just trying to plan my new life out and see what
kind of alternative/options I can do.

Mahalo Jen B

I gave you all the advice and direction you needed. You just didn't like that I pointed out your obvious attempt to scam the taxpayers, so we could continue paying your bills where the man you divorce leaves off.