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How is Insurance Coverage for Children Included in Divorce?

On behalf of The Law Offices of Cindy D. Sackrin posted in Divorce on Friday, December 14, 2012.

Florida couples considering divorce obviously have a lot on their minds. When children are involved in a split, there are many important questions to consider. As splitting parents make crucial decisions about how they can keep their children happy and healthy, they will likely consider what can be done to keep the kids insured.

One of the biggest concerns for parents is making sure their children have health insurance. As part of divorce settlements, one parent is often required to provide insurance coverage for children under 18 as part of child support payments. Determining how to pay for medical expenses that aren't covered by insurance is often up for negotiation. In some cases, parents split costs evenly or according to their financial means.

Health insurance is probably the most frequently discussed type of insurance for children affected by divorce. Interestingly enough, negotiations for this type of insurance often go smoother than those for auto or life insurance.

Beyond health insurance, parents may also consider auto insurance for their children during. For teenagers, having the ability to drive is important, yet negotiating payments for car insurance can be tricky. Since health insurance coverage is considered to be in a child's best interests, judges will usually make sure it is part of a settlement. The same argument can't be made for the ability to drive, since teenagers aren't necessarily entitled to the ability to drive.

Although auto insurance can create a stumbling block during negotiations, it is possible for parents to address the issue. The final settlement can include provisions laying out how car-related expenses will be covered.

Divorce negotiations involving children can create emotional disputes. This is usually because both parents want the best for their children, but just cannot come to an understanding. However, if parents enter negotiations with an open mind and a willingness to take care of their children's needs, then a favorable settlement -- including insurance coverage -- can be reached.

Source: Fox Business, "Split Time: Kids, Custody and Insurance," Susan Ladika, Dec. 6, 2012

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