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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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