Spouse change life insurance without consent?

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Sat Oct 09, 2010 6:15 am   Post subject:   

Quote:
I need to know can I get a policy on my estrange husband legally?

I know he wouldn't sign any application out of spite.




Without your spouse's consent, it will not be possible to obtain coverage on him. However, a good attorney might get the court to order him to cooperate.



It would be easiest to have the court order him to ASSIGN ownership of the existing insurance to you, and you become the premium payor and name yourself as beneficiary. Takes him out of the equation entirely other than as the insured. You need a very forceful attorney to press for this, because your spouse and his attorney will "strenuously object" to the proposal.


_________________

CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
Forum Expert
Leave a quick message

MaxHerr
Forum Expert

Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.54 Dollars($)

PostPosted: Fri Oct 22, 2010 5:00 am   Post subject:   

Can my mother remove my father from her health insurance coverage without his consent in the state of virginia, they are in the process of separating and the policy is through her work and she is on disability fro the company in which the policy is through


_________________
Register Now to have your Insurance queries solved.
c rene
Guest







PostPosted: Fri Oct 22, 2010 5:02 am   Post subject:   

Can my mother remove my father from her health insurance coverage without his consent in the state of virginia, they are in the process of separating and the policy is through her work and she is on disability fro the company in which the policy is through


_________________
Register Now to have your Insurance queries solved.
c rene
Guest







PostPosted: Fri Oct 22, 2010 8:36 am   Post subject:   

In the event of legal separation, your father's coverage under your mother's employer-sponsored health plan will likely terminate. If it does, he will be eligible to continue the coverage at his own expense courtesy of COBRA.



_________________

CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
Forum Expert
Leave a quick message

MaxHerr
Forum Expert

Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.54 Dollars($)

PostPosted: Fri Oct 22, 2010 11:57 am   Post subject:   

Max, "in the event of legal separation", may be the key here. I've seen situations where one spouse has dropped the other out of spite. From my reading of Cobra, it appears as if the spouse may be out of luck without the separation. Do you know if I'm correct?


_________________
Register Now to have your Insurance queries solved.
afjmvdk
Guest







PostPosted: Fri Oct 22, 2010 11:09 pm   Post subject:   

You are correct. If the "departing" spouse is merely dropped from coverage by the employee because they're having an affair or they've moved out of the home, for example (not as the result of the "legal separation"), COBRA does not apply.



There are six specific "qualifying events" that apply to a dependent's coverage and continuation under COBRA. Merely being dropped from coverage "out of spite" is not one of them. "Legal separation of the employee" is.



It could be fairly argued, I suppose, that if a person deliberately drops their spouse knowing that a legal separation is in the works and does so deliberately to prevent the person from exercising a right under COBRA, they might be able to get the coverage back (it's sort of up to the lawyers to prevent this from happening).



If not, then the lawyers will have a field day determining what that deliberate act is worth when it comes to compensating the departing spouse.



_________________

CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
Forum Expert
Leave a quick message

MaxHerr
Forum Expert

Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.54 Dollars($)

PostPosted: Sun Dec 12, 2010 12:59 pm   Post subject: life insurany policy  

hi there, i have a joint life insurance policy, but haven't been with my partner for over ten years. I would like to remove his name off the policy and put it solely in my name it has been me paying for it from the beginning. I now have an 8 year old son. Can i put it in his name along with mine?


_________________
Register Now to have your Insurance queries solved.
mish
Guest







PostPosted: Mon Dec 13, 2010 4:24 pm   Post subject:   

Who is the "Owner" of the policy? There will only be one. If you are the owner, then you can make any changes allowed by law, including removing a named insured from a joint life policy. Adding a new insured in their place may or may not be permitted by the insurance company.



But are you really talking about making your child a joint insured or merely the beneficiary of the policy? You would not be the beneficiary on a policy in which you are the sole insured.



_________________

CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
Forum Expert
Leave a quick message

MaxHerr
Forum Expert

Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.54 Dollars($)

PostPosted: Fri Sep 28, 2012 1:20 pm   Post subject: unconsented life insurance policy  

can my child or ex husband take out a life insuracne policy on me without my consent? and if so what can i do to stop it.


_________________
Register Now to have your Insurance queries solved.
scared
Guest







PostPosted: Fri Sep 28, 2012 3:26 pm   Post subject:   

Most states have laws prohibiting such contracts. If you are aware of life insurance issued on your life without your consent and cooperation, complain to the state Dept of Insurance.



In some states, you may have a cause of action against a person who violates state law in this regard.



_________________

CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
Forum Expert
Leave a quick message

MaxHerr
Forum Expert

Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.54 Dollars($)

PostPosted: Thu Oct 11, 2012 5:40 pm   Post subject: Removal of spouse from medical insurance  

My daughter's husband is stating he is going to take my daughter off his medical insurance. They are not legally separated at this time. Can he do this ? If so what are her option? She has a pre-existing medical condition.


_________________
Register Now to have your Insurance queries solved.
Gil
Guest







PostPosted: Thu Oct 11, 2012 7:43 pm   Post subject:   

Unless they are legally separated, your daughter cannot take advantage of COBRA continuation. If a divorce is going to happen, then your daughter should file for a legal separation immediately, with an injunction against being terminated prior to the separation being affirmed by the court. The injunction, if granted, must be served on both her husband and his employer.



_________________

CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
Forum Expert
Leave a quick message

MaxHerr
Forum Expert

Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.54 Dollars($)

PostPosted: Tue Oct 30, 2012 5:59 pm   Post subject: life insurance beneficary change  

In the state of WA can I change my beneficary from just my wife, to her and my kids (33%) each, without her signature or approval?


_________________
Register Now to have your Insurance queries solved.
45678
Guest







PostPosted: Thu Nov 01, 2012 8:51 am   Post subject:   

If it is individual insurance, YES. If it is group insurance, MAYBE. For group life, you have to read the SPD (Summary Plan Description). That will tell you what you need to know about changing beneficiaries.



_________________

CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
Forum Expert
Leave a quick message

MaxHerr
Forum Expert

Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.54 Dollars($)

PostPosted: Sat Oct 26, 2013 7:02 pm   Post subject: Insurance  

I wAs robbed I was on one of the two insurance policies at my husbands work when he got sick his sister got his power of attorney and went to change the insurance I know they broke the law there was no

Waiver signed and it has been in my name for years I was left with nothing what can I do


_________________
Register Now to have your Insurance queries solved.
Moria
Guest







Quick Reply
Your Name
Subject
Message body
All times are GMT
 Previous  1, 2, 3  Next  
Page 2 of 3


Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

    Connection Error: Connection refused