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Updating Insurance Policies After You Get Divorced

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.

Life insurance

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.

Car insurance

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.

Health insurance

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.

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  • "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.

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