Meditating for even a few minutes daily has been shown to positively calm anxiety and increase clarity of thought. It’s certainly better for you than rushing into a middle marriage!
The post Avoiding the Mistake of the Middle Marriage: Your Brain on Divorce appeared first on Divorce Magazine.
Originally published by Family and Criminal Law Blog.
Will I Lose My Right to Remain in the United States If I Divorce My Spouse?
Divorce can create much stress for any family. Couples going through a divorce may worry about finances, who will remain in the family home, custody matters, alimony, division of assets and much more. For some couples, there is the added stress of a potential immigration issue. If you are in the United States on a visa that was granted based upon your spouse’s application, you could potentially lose your legal ability to stay in the U.S. should you divorce or separate. Below, our Midland divorce lawyer discusses the potential impact of divorce on immigration status.
Divorce for Conditional Residents
Conditional residents who have immigrated to the U.S. within the past two years on the basis of a spouse’s status as either a U.S. citizen or lawful permanent resident could be affected by a divorce. To have the conditions of your residence removed, you must file a Form I-751 within the last 90 days before your green card is set to expire. Generally, you and your spouse will file this form together. However, if you are separated or divorced you may still seek the removal of the conditions of your residency.
You will need to file the same form, with a waiver to file on your own. You will have to show that the marriage was entered into in good faith. Good faith typically means that you intended to live together as spouses when you wed. Evidence of your life together as a typical married couple will often suffice. This may include evidence of your joint bank account, health insurance policy, a joint mortgage or lease, and the like. If you are already a permanent resident by the time of your divorce, your status will not change.
Further, if you are here on a green card that is not dependent on your spouse’s status, such as a green card based upon your job, your status will be unaffected. If you are a conditional resident concerned about your immigration status should you divorce your spouse, you will want to discuss the matter with your divorce lawyer as soon as possible.
Find out how virtual assets are valued and divided.
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Make today the day to stop saying no because of what has happened and choose yes because it happened because you owe it to yourself to thrive after divorce!
The post Don’t Let a Limited Belief System Hold You Back After Divorce appeared first on Divorce Magazine.
It’s common in marriages for one spouse to obtain coverage for the entire family through their employer. Because one employer offers more attractive premiums or benefits, it makes sense to consolidate under one policy. After a divorce, children remain eligible for coverage as dependents, but the spouse no longer meets requirements to stay on the insurance plan.
If you’ve found yourself in the lurch as a result of a divorce, take heart. Adding the complication of finding health insurance during an already difficult time can seem overwhelming, but it’s critical your coverage doesn’t lapse. The stress of divorce can present many health complications and you’ll want to feel confident you can get the care you need.
Before detailing health insurance options, let’s cover a few standard terms so you’ll have a better understanding of how to compare plans and premiums.
What you need to know about health insurance after divorce
If this is your first foray into shopping for health insurance, there are a few terms you’ll need to know. Your ability to compare plans and make the best choice for you relies upon your understanding of industry terminology.
Premiums: Whether you use the coverage provided or not, this is the amount you pay every month or every pay period to retain health insurance coverage. If you have insurance through your employer, they likely subsidize this amount so your premiums may appear artificially lower.
Out-of-pocket: This is the cost you are responsible for paying to the provider for the services you receive in addition to the amount your health insurance covers.
Deductible: Some policies have deductibles which are out-of-pocket spending thresholds you must reach before certain insurance benefits kick in.
There are many kinds of health insurance, and some even involve wellness plans to lower premiums or flex spending accounts to offset out-of-pocket costs. As you shop, you’ll discover that plans with high deductibles may offer lower premiums and less out-of-pocket costs.
Your options for health insurance after a divorce
Before you finalize the divorce, make sure you have a plan in place for health insurance coverage. If you’re currently separated, you’re still eligible for health insurance through your spouse’s policy. Once the divorce decree is filed, you need to notify the health plan administrator within 60 days to be eligible for certain kinds of coverage such as COBRA.
Here are four options for securing health care coverage if you’re no longer eligible under your current plan due to divorce.
1. Get insurance through your employer
If you’re eligible for health insurance through your own employer, this is going to be hands-down the cheapest way to secure coverage. Employers often subsidize the cost of insurance so your premiums will usually be lower than anything you could obtain as an individual. While there are strict employee open enrollment periods, you can generally add coverage if you have proof of a life-changing event such as divorce.
2. Use COBRA or mini-COBRA
A federal law nicknamed COBRA (Consolidated Omnibus Budget Reconciliation Act) ensures that any company with more than 20 employees must offer coverage if you’re no longer eligible through your spouse’s policy. This coverage has two major stipulations, however. One is that you must notify the plan administrator within 60 days of the divorce or you won’t be eligible. Secondly, COBRA coverage is only available for 36 months, so it’s more of a contingency plan than a long-term solution.
COBRA has advantages for those who are concerned about keeping the same provider, but it’s more expensive than other health insurance options. While the employer is obligated to offer the coverage, they no longer subsidize it, so you’ll end up paying the full cost of the premium plus an administration fee.
State continuation coverage sometimes referred to as mini-COBRA, is designed to supply health insurance options to those whose policy sits with a small company that has less than 20 employees. In some states, coverage only lasts three months while other states provide options that could cover you until Medicare eligibility kicks in. Because coverage and eligibility differ wildly from state to state, you’ll need to do a little research to determine if this is a viable option for you.
3. Buy insurance in the marketplace
Due to the ACA (Affordable Care Act) and subsequent reforms, you can now purchase healthcare as an individual and, depending on your income, these plans may be subsidized. There are both government and off-exchange or direct platforms for applying, comparing, and purchasing plans that eliminate broker fees and deal directly with health insurance providers.
The most popular option is to secure coverage through the federal healthcare exchange, which rates plans in the marketplace as Bronze, Silver, Gold, Platinum, and Catastrophic according to the amount of coverage. Open enrollment for the marketplaces is typically November 1st through December 15th but, like employer-sponsored plans, qualifying events such as divorce provide a special enrollment window of 60 days.
4. See if you qualify for Medicare
Medicare is a health insurance plan offered through the federal government for people 65 and older and certain people with disabilities. There are several different levels of coverage through Medicare (Plan A, B, C, and D), and your eligibility will be based on a few factors. These include age, marital status, length of employment, and social security eligibility. In some cases, Medicare and Medicaid can be used simultaneously to provide more comprehensive coverage.
Navigating Medicare eligibility and enrollment can be tricky, so it’s best to consult directly with representatives at Medicare about which options would work best for your situation.
Divorce can be a stressful time, so in addition to securing health insurance, make sure to set aside time to take care of yourself. Stay up to date on yearly check-ups and invest in preventative care. Staying in good health means you’ll be able to enjoy the benefits of the new life you’re building and have the energy to take on whatever opportunities come your way.
The post Health Insurance After Divorce: Here’s What You Need To Know appeared first on Divorced Moms.
It’s important to head into your next job interview after divorce feeling confident, pulled together, and positive. While the rest of your life may feel out of control right now, you can still ace the interview.
The post How to Prepare for a Job Interview After a Divorce appeared first on Divorce Magazine.
Divorce could be a big payday for some but most of us will be on a budget after the papers are signed and we part ways with our ex forever. Let’s face it, usually, money is going to be pretty tight after divorce.
It’s difficult transitioning from living off of two incomes to living off of one income while also facing the expenses that come with divorce. So it begs the question when it’s all over, what should you spend your money on?
Things You Should Definitely Spend Money On After Divorce
Where someone lives after a divorce is always different depending on their circumstances. If you keep the house in your divorce, you should consider the expenses it takes to keep it and decide whether or not you can afford it on one income.
It’s not just the mortgage and the taxes you should consider either. Think about what it’s going to cost for landscaping in the summer, snow removal in the winter, repairs to the house and appliances which may break and need replacing. It’s always a good idea to save 2% of your home’s value for repairs and general upkeep every year.
If this isn’t something you feel like you can afford on one paycheck, consider downsizing and moving into a smaller home or apartment. Once you move, you’ll also have to think about getting new furniture, dishware, and maybe a new bed to help make your new space a home.
Usually, couples figure out living arrangements during the divorce but since it is such a stressful time, you may feel like you didn’t choose the best long term living arrangements for you. When everything is over, thinking about where you want to live and putting some money towards that is an important thing to consider to set yourself up for success moving forward.
It’s okay to take a little time to yourself after the divorce. It’s a stressful time and there’s nothing wrong with putting a little money aside for self-care.
How can you best position yourself for success if you haven’t started moving on? Take a day, unwind, and maybe try something new.
Go to the salon and get that new hairstyle you’ve been wanting to try. Or maybe you finally take that yoga class you’ve been thinking about. Whatever you need, you should take time and treat yourself so you are mentally prepared for whatever comes next in your life. Remember to put yourself first during this stressful time. If you’re not in a good headspace, you won’t be able to positively affect those around you.
Celebrating a divorce coming to a close with your most supportive friends is a fun and stress relieving event which can help put a positive close to such a hard time in your life.
Divorce parties are becoming more popular and for good reason. It’s nice to know that when your life changes completely, you still have a great support structure around you to help you move forward.
Think About New Ways to Manage Your Money
I see a lot of people trying to pay off debts right after a divorce but it’s not always a good idea to have zero dollars in your bank account so you have zero debt.
Some debt is healthy and you can use it to your advantage.
For example, it might be a better idea to put your money into a retirement account with 9% interest than to completely pay off a car payment with 3% interest. If you decide to pay off the car loan, you are missing out on the 6% interest you could have made in the long run from investing in your retirement while also continuing to pay off your car month by month.
As long as you have a healthy amount of debt with good interest rates, you can invest your money elsewhere and win out long term. This is something I help women with every day as a Certified Divorce Financial Analyst.
What Do You Need?
These are all examples of things you could potentially use your money for after divorce but we’re all different. Think about what YOU need.
Just because the morning news or your neighbors tell you it’s good to pay off debts immediately after a divorce doesn’t mean it’s the right choice for you.
Maybe you want to start an online business, maybe you want to take a road trip and travel the country, or maybe you want to move to a different country altogether! All of these things are possible and each one of them has different financial considerations.
It’s always a good idea to consult with a financial professional so they can help you figure out the best place for your money no matter what you are trying to do with your life.
What else should someone consider spending money on after a divorce? Let me know in the comments!
The post 5 Things You Should Definitely Spend Money On After Divorce appeared first on Divorced Moms.
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