Health Insurance after Divorce

          Most people are aware that they will lose the health insurance coverage they had under their spouses’ plan upon a divorce. One concern often voiced by my clients is when the coverage will end since the divorce may be signed by the Judge before they are able to secure alternate coverage. Not to worry. You can keep the coverage you have through your former spouse for up to 60 days if need be. How does this work?

Dan Burns Mediator

          COBRA, which is the name used for the Consolidated Omnibus Budget Reconciliation Act, requires most employers with group health insurance to offer terminated employees and divorced spouses of current employees the opportunity to purchase health insurance.

          If you are the divorced spouse of an employee you may receive coverage for up to 36 months provided you pay 102% of the employers cost of the insurance (which is one reason why most people don’t elect the coverage).
          Once you are divorced the employee spouse must notify his/her employer of the “life change” event. The employer then has 30 days to notify the divorced spouse of his/her right to coverage. That person then has 60 days to elect coverage. If he/she elects coverage they must pay from the date of the notice to have retroactive coverage.
          What if he/she does not elect coverage? The best answer is to have alternate coverage in place within the 60 day period to avoid any gap. While you can always wait the 60 days to elect coverage so you can get sort of a “free ride”, keep in mind that you will pay 102% of the employers cost. And since many plans have a lot of “bells and whistles” you may find the cost is rather high.
          Another concern is your ability to get coverage! If some serious condition is diagnosed during the gap period you may not be able to secure alternate coverage (which is the main reason why COBRA was established in the first place) so you may have no choice but to elect the COBRA option and incur the expense.

Call us Today at 518-785-9522
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No-Fee Initial Consultation,
for you and your spouse,
so we can answer your questions on
Divorce Mediation, Legal Separation, and/or a Separation/Divorce Agreement
and provide you with a tailored estimate of what you can expect
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Burns Mediation proudly serves the following counties and towns in Upstate New York - COLUMBIA COUNTY New York - Ancram NY 12502, Ancramdale NY 12503, Austerlitz NY 12017, Canaan NY 12029, Chatham NY 12037, Chatham Center NY 12184, Claverack NY 12513, Clermont NY 12526, Columbiaville NY 12050, Copake  NY 12516, Copake Falls NY 12517, Craryville NY 12521, East Chatham NY 12060, Elizaville NY 12523, Germantown NY 12526, Ghent NY 12075, Glenco Mills NY 12541, Greenport NY 12534, Hillsdale NY 12529, Hollowville NY 12530, Hudson NY 12534, Kinderhook NY 12106, Livingston NY 12541, Malden Bridge NY 12115, Martindale NY 12513, Mellenville NY 12544, New Lebanon NY 12125, Niverville NY 12130, North Chatham NY 12132, Old Chatham NY 12136, Philmont NY 12565, Spencertown NY 12165, Red Rock NY 12060, Stockport NY 12534, Stottville NY 12172, Stuyvesant NY 12173, Stuyvesant Falls NY 12174, Valatie NY 12184, West Copake NY 12953, West Taghkanic NY 12502.


Daniel R Burns Divorce Mediator proudly serves the following counties and towns in Upstate New York - FULTON COUNTY New York - Bleecker NY 12078, Broadalbin NY 12025, Caroga NY 12032, Dolgeville NY 13329, Ephratah NY 13339, Gloversville NY 12078, Johnstown NY 12095, Mayfield NY 12117, Northville NY 12134, Oppenheim NY 13329, Perth NY 12010, Stratford NY 13470. Attorney Daniel R Burns proudly serves the following counties and towns in Upstate New York - GREENE COUNTY New York - Acra NY 12405, Ashland NY 12407, Athens NY 12015, Cairo NY 12413, Catskill NY 12414, Climax NY 12042, Cornwallville NY 12418, Coxsackie NY 12051, Durham NY 12422, Earlton NY 12058, East Durham NY 12423, East Jewett NY 12424, Elka Park NY 12427, Freehold NY 12431, Greenport NY 12534, Greenville NY 12083, Haines Falls NY 12436, Hallcott Center NY 12430, Hannacroix NY 12087, Hensonville NY 12439, Hunter NY 12422, Jewett NY 12444, Lanesville NY 12450, Leeds NY 12451, Lexington NY 12452, Maplecrest NY 12454, New Baltimore NY 12124, Oak Hill NY 12460, Palenville NY 12463, Prattsville NY 12468, Purling NY 12470, Round Top NY 12473, South Cairo NY 12482, South Westerlo NY 12083, Surprise NY 12176, Tannersville NY 12485, West Coxsackie NY 12192, West Kill NY 12492, Windham NY 12496. proudly serves the following counties and towns in Upstate New York - MONTGOMERY COUNTY New York - Ames NY 13317, Amsterdam NY 12010, Canajoharie NY 13317, Charleston NY 12072, Fonda NY 12068, Fort Johnson NY 12070, Fort Plain NY 13339, Fultonville NY 12072, Hagaman NY 12086, Minden NY 13339, Mohawk NY 13407, Nelliston NY 13410, Palatine Bridge NY 13428, Root NY 12166, St. Johnsville NY 13452.


Daniel Burns at proudly serves the following counties and towns in Upstate New York - RENSSELAER COUNTY New York - Averill Park NY 12018, Berlin NY 12022, Brainard NY 12024, Brunswick NY 12180, Buskirk NY 12028, Castleton NY 12033, Cherry Plain NY 12040, Cropseyville NY 12052, East Greenbush NY 12061, East Nassau NY 12062, East Schodack NY 12063, Grafton NY 12082, Hoosick NY 12089, Hoosick Falls NY 12090, Johnsonville NY 12094, Melrose NY 12121, Nassau NY 12123, North Greenbush NY 12198, North Hoosick NY 12133, Petersburgh NY 12138, Poestenkill NY 12140, Rensselaer NY 12144, Sand Lake NY 12153, Schaghticoke NY 12154, Schodack Landing NY 12156, South Schodack NY 12033, Stephentown NY 12168, Taconic Lake NY 12138, Troy NY 12180, 12181, 12182, Valley Falls NY 12185, West Sand Lake NY 12196, Wynantskill NY 12198.


We provide divorce mediation and legal separation mediation to following counties and towns in Upstate New York - SARATOGA COUNTY New York, Ballston Lake NY 12019, Ballston Spa NY 12020, Burnt Hills NY 12027, Charlton NY 12019, Clifton Park NY 12065, Corinth NY 12822, Day NY 12835, Edinburg NY 12134, Galway NY 12074, Gansevoort NY 12831, Greenfield NY 12833, Hadley NY 12835, Halfmoon NY 12065, Malta NY 12020, Mechanicville NY 12118, Morthumberland NY 12831, Providence NY 12850, Round Lake NY 12151, Saratoga Springs NY 12866, Schuylerville NY 12871, South Glens Falls NY 12803, Stillwater NY 12170, Victory Mills NY 12884, Waterford NY 12188, Wilton NY 12831.


Our mediation services for residence of the Capital District are available in the following counties and towns in Upstate New York - SCHENECTADY COUNTY New York -  Alplaus NY 12008, Delanson NY 12053, Duanesburg NY 12056, Glenville NY 12302, Niskayuna NY 12309, Pattersonville NY 12137, Quaker Street NY 12141, Rotterdam NY 12306, Rotterdam Junction NY 12150, Schenectady NY 12301, 12303, 12304, 12305, 12306,12308, Scotia NY 12302.


Our Divorce mediation, legal separation services are available in the following counties and towns in Upstate New York - WARREN COUNTY New York - Bolton Landing NY 12814, Chestertown NY 12817, Glens Falls NY 12801, 12802, 12804, Hague NY 12836, Horicon NY 12815, Johnsburg NY 12843, Lake George NY 12845, Lake Luzerne NY 12846, Queensbury NY 12804, Stony Creek NY 12878, Warrensburg NY 12885.