Wednesday, August 5, 2009

Do divorced parents still pay for your health insurance even if youre over 18?

I've been hearing a lot of mixed things on this subject;

The obvious answer would be that if youre over 18 your parents no longer have to pay for your health insurance if they dont want to.

But I've been hearing your parents do even if youre over 18, if you are a full time student, AND your parnets are divorced. Because you have different rights, but is their still rights even if youre over 18? And what if your mother remarried however your step father never adopted you?

Any information/in writing laws/etc.. would be very helpful.
This is in the state of IL.
Answers:
If you attend college your parents can cover you until you are 23 years old. Otherwise when you turn 18 years old and finish high school, you will have to get your own insurance.
23 if you are a FT student
It has more to do with the policies of the insurance company, most employers will allow you stay on the policy until your 22nd birthday as long as you are a full time student. If not your parents cant keep you on the insurance even if they want to
This does vary some by state. In most cases unless the divorce papers say that coverage extends beyond 18 then there is no obligation beyond 18. Some insurance coverage allows it as FT student beyond 18 and some divorce settlements require it, also if the parent is behind on child support some judges will ammend the settlement to include both insurance and child support beyond 18 to catch up on what is owed to the child.
In principle that is true, the parents owe maintenance and economic protection to their children until they complete most of age, however, if a son demonstrates to be helpless to work for some legal reason, or for questions of health, this obligation subsists for the parents, without caring that these have gotten divorced, being in any event evident that this obligation would run in charge of the spouse with better economic possibilities, according to it has determined in the separation trial and in the division of goods
Most isnurance companies will only carry a child until their 18th birthday unless they are a full time student, then it is until they are 21. Step parents do not have to adopt you to be able to cover you. Once you are over 18 and not a student you will have to get your own insurance, They may be willing to help you with the monthly premiums, but they are no longer required to carry insurance on you.

No comments:

Post a Comment