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MormonMom
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(recently joined)
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01/16/07 04:50 PM
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Medical Benefits
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I worked as an independent contractor but have no benefits whatsoever. Due to a car accident, I am permanently disabled with back, neck and nerve injuries. I absolutely need medical benefits. My daughters also have issues where they need medical care but one is over 18 and the other, well, will be 18 in a few years. What do we do? Do we go on welfare? I can't work very much with the ups and downs of the chronic pain syndrome, etc., as a residual. My income was never meant to be "breadwinner" status, only just the part-time stuff...
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Gecko
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(Carpal \'Tunnel)
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01/16/07 05:51 PM
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Re: Medical Benefits
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Sorry, but the law does not allow your STBX to carry you on his policy once ya'll are divorced. He can maintain the kids, but will have to check into the policy limitations once they reach a certain age.
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MormonMom
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(recently joined)
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01/16/07 07:45 PM
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Re: Medical Benefits
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this does not look good for me. Truthfully none of it does except that I'm the only parent involved in my children's lives! He has sadly just "checked out" on us. Unfortunately, he is all we have in the way of benefits. Do you know if there are any services out there that would insure me with the medical history I have?
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MormonMom
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(recently joined)
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01/16/07 07:47 PM
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Re: Medical Benefits
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what does STBX mean? I'm new at this...
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MormonMom
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(recently joined)
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01/16/07 07:54 PM
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Re: Medical Benefits
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can this be "written" in to the dissolution agreement? I can't figure out how it would be though. Believe it or not, my ex-whatever, is still "loved" by all of us. This was not our choice -- he walked away from us not the other way around. There wasn't even a "clue" that this was going to happen; well hindsight now...there were lots of them.
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Re: Medical Benefits
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There is usually a health program through the state where if you've been denied coverage by other health insurance companies, you can get it through them. But I'm sure it is very expensive since it is only insuring those with medical problems.
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Re: Medical Benefits
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stbx means your "soon to be ex-spouse"
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Re: Medical Benefits
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What state do you live in? What kind of freelance work do you do?
Even if you husband could cover you now, he can't do so after the divorce is finalized. He can cover his children, tho, & you should certainly stipulate this in your agreement. This is especially important since you say your daughters have pre-existing health problems.
You could stipulate that your husband will repay you for the premiums on your own health ins., but if you can't find anyone willing to sell you a policy, or if your pre-existing conditions are not covered, such a stipulation would be worthless even if your ex agreed to it.
If you can document your disability, start ASAP. Your could be eligible for federal benefits. If you can't document that you're disabled, you may have to get a job, w/ chronic pain syndrome or w/o it. Can you expand your freelance work into a fulltime job? Could someone in your church find you a job w/ benefits that not too physically demanding?
Vermont & Massachusetts offer health ins. to adults who aren't covered by employers, Medicare or Medicaid. Vermont & Maine offer coverage for almost all uninsured children. California is considering a statewide universal health ins. system. You best bet may be to move to a state where health care is part of the social safety net. But research carefully before you move.
Altho you say you still love your husband, you sound very bitter in this & other forums. If he feels that you're going to shut him out of the chiildren's lives, he may be reluctant to extend their ins. policies when they go off to college. Even if he did you dirt, he is still your kids' father; I hope you want him to be a caring, involved father. Vent all you want on this forum, but try to keep your bitterness out of your kids' lives. Why would he want to contribute to their ins. costs a minute longer than he has to, unless he's still involved in their lives?
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