Tuesday, July 8, 2008

Can I have my exwife on my Health and life insurance policy

Can I have my exwife on my Health and life insurance policy?
My wife and I are getting a no default divorce here in PA. We have a one year old child. I currently have her and my child on my health and life insurance policies. For the sake of my daughter, would I be able to keep my wife and daughter on the policies at least until my daughter is 18? I do not mind paying for my wife, as she can barely afford one of her own. 
Insurance - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
your daughter is a dependent so you will be able to. And in most states you might not have a choice. here in texas the one who pays child support has to also provide insurance. and the fact you want to provide insurance for your ex wife is so amazing! not many men are like you. as your insurance agent, he'll help you out with all the info. =o)
2 :
Your health insurance provider may not allow you to include an ex-wife on your policy unless it is a legal requirement that you do so (if it is written into your divorce decree.) Check with a divorce attorney who is familiar with laws in your state to see exactly what needs to be done.
3 :
If you have it written in your QDRO order, (Qualified domestic relations order) then in most cases you can continue to have her covered. Check with your benefits department in HR to be sure. If not, your wife could get continued coverage under a program called COBRA, but it tends to be expensive.
4 :
No, on the health insurance. It's against the tax laws. On the date the divorce is final, you MUST delete your non-spouse from your group health insurance policy. The DAUGHTER can stay on it. On the life insurance, you can name anyone you want - your ex-wife, the mailman, me. It doesn't matter.
5 :
If your health insurance is through your employer, you need to notify them of the date your divorce became final. Failure to do so is insurance fraud and can have penalties. Many employers are doing dependent eligibility audits to catch people who haven't removed ex-spouses and/or are claiming ineligible dependents on their group health benefits. You could create a huge mess by trying to keep your ex-wife on the policy. If/when your benefits administrator finds out that you got divorced, they can retroactively cancel her back to the date the divorce was final. Any payments made to medical providers on her behalf can be recouped, and your ex-wife will be liable for the full billed charges of all the outstanding medical claims. (Not to mention that the penalties to you could include losing your job for defrauding your employer!) You wouldn't be doing her any favors if that happened, because it would be too late for her to obtain other coverage at that point. She'd be stuck. If you wish to help her obtain coverage now, then you/she can contact an agent to see about purchasing a policy for her. And make sure to notify your employer's benefits office of the date the divorce becomes final.





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Posted by Child Health at 1:12 PM

Friday, July 4, 2008

when is a child no longer under their parents health insurance

when is a child no longer under their parents health insurance?
link to a reliable site, please x_x 
Other - General Health Care - 3 Answers







Random Answers, Critics, Comments, Opinions :
1 :
Most insurance companies will cover a child as long as they are in school full time. So if you are 18 and a full time college student, then most insurance carriers will continue to cover you under your parents insurance until your graduate from college. If you are 18, have finished school, and do not plan on enrolling in any further education full time, then your coverage will usually expire. Check with the actual company the insurance policy is with, but the above is the usual rule of thumb. Also most policies will not cover teenage pregnancies even though the person is not 18.
2 :
24 years old, holding if the child is still in school F/T. My brother was under my mom's insurance, while in college F/T, all the way 'til he turned 25. A good friend stayed on her mom's insurance, also in college F/T, 'til her 25th b-day.
3 :
I was under my Grand parents insurance until I was 21 but their rules were...... a child (in the household) will be covered until they are 18 or outside of the household until 21 IF they are attending school.








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Posted by Child Health at 10:48 AM

Tuesday, July 1, 2008

Are there any mental and/or health disorders that cause teens/adults to remain child-like in their thinking

Are there any mental and/or health disorders that cause teens/adults to remain child-like in their thinking?
Thanks for help. :) I don't mean child like as in stupid or immature brat (sorry for lack of better works). I just mean it as innocent, naive, trusting, etc. 
Mental Health - 6 Answers
Random Answers, Critics, Comments, Opinions :
1 :
yes actually there is.i dont know the name of it but my sisters bf has something that causes his mind to act about 17 and he will never mentally mature past that point.he is 28 now and is way behind mentally
2 :
to remain very naive and child like you would have to have a very very sheltered over protected life... bit like the Amish
3 :
Autism is a developmental disorder that may cause a person to exhibit some of those behaviors (innocent, naive, etc).
4 :
Peter pan sydrome.
5 :
Yes, there are about 100 different scenarios that are part of social phobias, agoraphobia might be the result of one's inability to socialize on an average level as the general populous, another is a person's conditioning by a parent that this person is just not good enough to be seen in public or that they aren't good enough to be in public,.....there's about a million reasons for a person to remain childlike....when a child is brought up feeling inadequate for many reasons, they can become unable to justify being adequate and therefore act accordingly........sometimes a type of mental retardation can cause this or create this,.....scizophrenia is one such type of illness that could be responsible, deafness could also do it,....dumbness could do it, blindness,....deformaty,..certain types of learning disabilities in speach like.....stuttering, a bad lisp.....a parent being too over-protective......lots of things................ Sometimes a child who is forighn to this country may seem retarded because of an impoverished upbringing may not be able to communicate in english and is therefore limited in thier ability to act as if they have an "on par" communications level.....I copuld go on for ten or more pages but the direct and quick answer is yes.
6 :
Dissociative identity disorder does but then we change states as well but I find that having been abused ad dissociated as a child that I was never accepted by schoolmates and never learned how to cope with people so it kept me naiive - further dissociation just keeps this going so I'm 62 (going on 12)



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Posted by Child Health at 10:41 AM
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