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Member
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Join Date: Sep 2007
Location: Greensboro, NC
Posts: 114
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Member
Join Date: Sep 2007
Location: Greensboro, NC
Posts: 114
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Quote:
Originally Posted by finz
Does your wife want you off her insurance ASAP because it is a messy divorce or because she does not want the extra expense ? Could she be pursuaded to keep you on it until the divorce is final , which might take the 2 years, if you paid the difference between single and family coverage ?
Have you asked Medicare if it is the date you were approved for SSDI or the date of your actual disability ? It seems crazy that they would make us wait that long. What if you weren't married or were the one who carried the insurance ? I know private insurance is available for people who are not covered at work, but the coverage is usually minimal and/or deductables is high......both killer issues for those of us with disabilities.
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[ color="Blue"]No the divorce is not messy at all. The issue is the money that is being taken from her check every 2 weeks. As for paying the difference I have been paying 85% of the total insurance bill since she left which included my coverage as well as our savings plan. He belief is that she will have more money to live on with me off of her coverage policy which I believe to be a false assumption on her part. Because currently the deductions are done pre tax which made her check so low that she paid little or no federal income tax. Now her tax with holding will go up and she will lose money. She does not believe me she thinks I am trying to manipulate her.
Unfortunately the Medicare requirements are 2 years from the time that SS determines you to be disabled. To me the government believes that we all have access and the ability to have health insurance and in cases like this that I will be able to go on Cobra for 18 months and then get it extended to 24 months until the Medicare starts up. As for private insurance I can get it and I do so with whatever deductables I want but the cost is so prohibitive that most people can not do it even if they are not a high risk like I am because of my cancer, heart failure and lastly MS.
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Cancer (MS) can take away all my physical abilities. It cannot touch my mind, it cannot touch my heart and it cannot touch my soul. And those three things are going to carry on forever. Jimmy V
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