"Financial Fairness"???
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"Financial Fairness"???
| Wed, 10-11-2006 - 10:02am |
I have always carried the health insurance for our family - b/c of course, he never worked enough anywhere or anywhere LONG enough, to be eligible for health insurance.


As far as the auto insurance goes, I say drop him. You shouldn't have to foot the bill for that, and the worst that could come of him not being able to afford it is he rides the bus.
Regarding the health insurance, is it possible you could have the amount added to the child support he pays when you go back to court? You shouldn't be responsible for his health insurance either. I understand he is ill, but does it hinder him working and getting his own insurance? If it's debilitating, can he get onto Medicare? I understand your not wanting to allow him to go without when there could be serious consequences, but if the only reason he doesn't have his own is because he is too lazy, then maybe it's time he figured this out on his own. Perhaps you could email him and tell him that you can't afford to keep paying for him and that he needs to agree to pay for his portion. If he responds yes, isn't that proof enough that he agreed to be responsible for the payment whether or not you sort it out in court?
Good luck with this Rebecca. You are a very sweet woman for being so concerned about his well being considering all he's put you through.
This isn't probably something that you want to call your insurance company and ask... but I'm pretty sure that, legally, if they knew you were divorced, he couldn't be covered.
Karen ~ wildlucky4me ~
Hi,
I would try and find out what the plan cost for one person versus both is for the health and auto. If your paying 100 for both of you and it'd be 75 for one, I don't see his paying 25 as "equitable". My discount/credit would be based on maybe 50. If you're getting group rates why should you take all of the risks and pay the higher amount?
Hey Rebecca,
I agree with Karen.
Peace,
Di
***If you cannot define yourself, your circumstances will.***
Rebecca, something that I forgot about (darn those brain farts!), is that when I worked for a health insurance company they would not only cancel someone's policy for fraud, but would do it retroactively. This means that they would take back all money they had paid out to various providers under that policy as if the policy had never existed, and the insured person or people would be liable for all the costs.
I have no idea if this could actually happen to you, but if your company found out and got a bug up its butt, would you want to have to pay out of pocket for EVERTHING for him after the divorce was final? If it took 5 years, or even 1 year, that could bankrupt you if his medical needs are as great as they appear to be. And they will come after you, as the policy holder, not him.
Yikes! Ok, he's gonna have to be off ALL! I cant even BELIEVE i somehow feel GUILTY he is losing all his coverage. What the heck is WRONG with me that I can possibly feel guilt about it! Someone KICK ME!
Anyway - the GOOD news is he cant blame me. I just thought of something.
I'm glad to see we scared you into being rational! :-P
Seriously, though, if it were just a matter of expense I could see why you'd debate helping him or not, but it's more than that. It just didn't occur to me in my first post that you could be held responsible for all of his medical bills down the road if your job found out and decided to crack down.
This is a good opportunity for him to learn to help himself. Do not feel guilty. You are entirely too kind to even be concerned for his well being after all he's done to you and your daughter.
Unfortunately, despite you caring about him... I don't think that it is legal for you to add an unrelated person on to your inurance and therefore get a lower rate.
You did say the divorce was final?
As far as car insurance, most plans won't even want to keep you covered once they know you are living apart....even if still married, but have filed for divorce. That's how it was with my car ins. company. They let us keeep our poplicy together until it expired, but really didn't want us too....Once it expired we had no choice. Lying to these companies isn't a good idea either, because you could end up responsible for a WHOLE lotta unexpected medical bills, and back payment for the coverage!!
I would be more concerned/worried about the legal ramifications of insurance fraud with the medical ins. though.