Many couples have insurance policies that cover one or both of them. During the divorce process, then, it is crucial to untangle these policies while making sure both spouses are able to move forward with continued coverage.
Here’s a quick overview of some steps to take to update your insurance policies after you get divorced.
One spouse could maintain the policy, allowing the other to find a policy of their own. Or you can cancel the policy altogether, allowing each spouse to determine their own insurance needs going forward.
One important point to note is that once a Summons and Petition have been served, and during the pendency of the divorce proceeding, neither spouse can cancel the policy or change the beneficiaries on the life insurance policy unless there is written agreement between the parties.
As is the case with life insurance policies, car insurance coverage cannot be changed by either party during the pendency of the divorce proceeding unless there is a written agreement between the parties. Depending on vehicle ownership and loans covering the vehicles, you may be able to split the insurance coverage upon completion of the divorce. It is important to clarify your options with your insurance provider during the course of a divorce.
You’ll want to consider your health insurance options early in the divorce process to avoid coverage gaps. If one spouse has employer-provided health insurance, the other partner can receive COBRA coverage for up to 36 months. This coverage may not be the best choice for you, as it is expensive and strict, but it does at least allow you to keep the same insurance if you liked your policy.
You may also be able to obtain health insurance through your own employer, if you have that option. Otherwise, your best bets are either private insurance or the Affordable Care Act.
For more information about updating insurance policies after a divorce, contact an experienced divorce attorney in Minneapolis at Appelhof, Pfeifer & Hart, P.A.
"Tori had a thorough understanding of my situation and made excellent recommendations to resolve my concerns. She was persistent on communication and handled everything in a very timely manner. I would definitely hire her again in the future if needed." - M.K.
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"Mary from APH Law helped me thru a difficult divorce. She and the entire staff was there for me every step of the way helping me on what to do next. They listened to what I wanted and helped me achieve what matter the most to me in the divorce settlement." - Dana C.
"I chose APH after my initial consultation with Mary. I felt my best interest would be represented. The entire process went excellent, the attorneys and staff communicated effectively and efficiently with me throughout the process as they needed to. Being new to the legal process and verbiage, they walked me and talked me through the next steps and the jargon, I felt completely comfortable and represented. I hope I never have to use legal services again but if I do I will call Mary at APH Law and know that I will be taken care of." - Jeff M.
"Divorce is a time of emotion and stress. Mary Pfeifer , My lawyer was professional and compassionate. She was very informative through the process. Her insight helped me in my decisions. She worked hard to obtain a settlement which was fair to both parties. Though, I hope I won't need her help again. It is reassuring to know a good person that is willing to help." - Rod S.
"I first came to Ms. Jacquelyn Lutz of Appelhof, Pfeifer and Hart in October of 2016. It was definitely the worst time in my life and she compassionately spoke with me about my options. Ms. Lutz thoroughly explained the laws, statutes, process and what to expect going forward. What was supposed to be one case, turned into three intricate cases that took a huge toll on me and my family. Ms. Lutz represented me in court on all three cases with a vast knowledge of the laws and how to proceed accordingly. During all three cases she kept me informed, calm, gave me resources to utilize, and (most important) gave me a realistic view of what may come next. Ms. Lutz knew each case required a great deal of knowledge and creative thinking on how to legally proceed forward with each case. My family and friends are forever grateful for the amazing representation by Ms. Lutz. I highly recommend Ms. Lutz for anyone needing or considering superb representation for any kind of family law. " - M.H.