Can I stay on my spouse's health insurance after we divorce?
November 25, 2024
QUESTION: My wife is divorcing me in Rhode Island. I can't afford medical insurance on my own. Is there any way I can stay on her health insurance plan through her employer after we are divorced?
ANSWER: It all depends on how your wife's employer's has its health insurance plan set up.
If your wife's employer's health insurance plan is set up pursuant to federal ERISA laws then her employer's insurance carrier may be allowed to exclude coverage for ex-spouses. If this is the case you won't be able to remain on your wife's health insurance coverage once your divorce is finalized.
If your wife's employer's health insurance plan is set up pursuant to Rhode Island state law then as long as the decision of the court states that you shall remain on the plan pursuant to Rhode Island's Insurance Continuation Act then you can remain on your wife's health insurance plan as long as (1) your wife remains a member of that plan or until a date specified in the final judgment of divorce, (2) provided neither of you remarry, and (3) provided further that you do not become eligible to participate in a comparable health insurance plan through your employment. If these conditions are no longer met then the health insurance coverage will cease.
It is always best to check with the human resources department of your wife's employer and obtain written confirmation on the company's letterhead that they do or do not cover ex-spouses. When there is any doubt as to whether coverage for an ex-spouse may exist, it is a good legal practice to include in any settlement agreement and also in the Final Judgment of Divorce that if it is available and allowable, the ex-spouse shall be allowed to continue on the plan pursuant to Rhode Island's Insurance Continuation Act (R.I. General Laws ยง27-20.4-1).
(Current as of the Writing of the Post 11/21/2024)