If you SAH and spouse dies what is your plan for health insurance?

[Anonymous]

Anonymous wrote:Go back to work and get benefits through the new job.

uh

yeah

[Anonymous]

Anonymous wrote:

Anonymous wrote:Go back to work and get benefits through the new job.

If this is your plan in this economy, after you've been out of the workforce for several years, then you need to think again.

Don't you think that if you're STILL a SAHM in this economy that you're really not "into" the economy?

It's all cherries and cream!

Let OP dream on!

[Anonymous]

I'm not sure I understand what death has to do with it. (I'm not being snarky, I don't get it.) If you are going to SAH, and your husband loses his job, and thus your insurance, you COBRA. Then, either one or both of you gets a new job, or you purchase private insurance. What am I missing about the death component?

[Anonymous]

Anonymous wrote:I'm not sure I understand what death has to do with it. (I'm not being snarky, I don't get it.) If you are going to SAH, and your husband loses his job, and thus your insurance, you COBRA. Then, either one or both of you gets a new job, or you purchase private insurance. What am I missing about the death component?

COBRA = temporary
DEATH = permanent

[Anonymous]

Anonymous wrote:

Anonymous wrote:I'm not sure I understand what death has to do with it. (I'm not being snarky, I don't get it.) If you are going to SAH, and your husband loses his job, and thus your insurance, you COBRA. Then, either one or both of you gets a new job, or you purchase private insurance. What am I missing about the death component?

COBRA = temporary
DEATH = permanent

Yes, I understand that. My point is you can't COBRA permanently, so whether you are using COBRA because your working spouse dies or loses his job, you need to get new insurance after X months (typically 18 months is the longest, I believe). The new insurance is either through new employment, or purchasing private insurance.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I'm not sure I understand what death has to do with it. (I'm not being snarky, I don't get it.) If you are going to SAH, and your husband loses his job, and thus your insurance, you COBRA. Then, either one or both of you gets a new job, or you purchase private insurance. What am I missing about the death component?

COBRA = temporary
DEATH = permanent

Yes, I understand that. My point is you can't COBRA permanently, so whether you are using COBRA because your working spouse dies or loses his job, you need to get new insurance after X months (typically 18 months is the longest, I believe). The new insurance is either through new employment, or purchasing private insurance.

But that person who would have been actively looking for a job is no longer around. So the spouse better hope she has some sort of current skills in order to get a job with benefits. Private insurance is often sub par or very very expensive. And many people have pre-existing conditions. My friends were denied insurance because of their weight (mildly overweight - far from obese). High blood pressure? Seen a shrink ever? Recently quit smoking? Pregant or planning on becoming pregnant? You might have trouble getting insured. As you get older, any sort of history with doctors will be scrutinized. Its not so easy for alot of people to just go and pick up private insurance. Hence the concern.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I'm not sure I understand what death has to do with it. (I'm not being snarky, I don't get it.) If you are going to SAH, and your husband loses his job, and thus your insurance, you COBRA. Then, either one or both of you gets a new job, or you purchase private insurance. What am I missing about the death component?

COBRA = temporary
DEATH = permanent

Yes, I understand that. My point is you can't COBRA permanently, so whether you are using COBRA because your working spouse dies or loses his job, you need to get new insurance after X months (typically 18 months is the longest, I believe). The new insurance is either through new employment, or purchasing private insurance.

Following a death, the spouse and surviving children can continue on cobra for 36 months. That differs from the limit with job loss.

Someone upthread asked about pre-existing conditions. That's an important consideration. I'm in excellent health and my kids didn't have anything that would qualify as preexisting either. So I felt comfortable dropping Cobra for private insurance and saving 14000/yr. If I'd had health issues to consider, I'd probably have kept going on cobra and sought employment sooner.

[Anonymous]

Anonymous wrote:
Nothing to add, but I'm sorry for your loss.

Thank you.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I'm not sure I understand what death has to do with it. (I'm not being snarky, I don't get it.) If you are going to SAH, and your husband loses his job, and thus your insurance, you COBRA. Then, either one or both of you gets a new job, or you purchase private insurance. What am I missing about the death component?

COBRA = temporary
DEATH = permanent

Yes, I understand that. My point is you can't COBRA permanently, so whether you are using COBRA because your working spouse dies or loses his job, you need to get new insurance after X months (typically 18 months is the longest, I believe). The new insurance is either through new employment, or purchasing private insurance.

But that person who would have been actively looking for a job is no longer around. So the spouse better hope she has some sort of current skills in order to get a job with benefits. Private insurance is often sub par or very very expensive. And many people have pre-existing conditions. My friends were denied insurance because of their weight (mildly overweight - far from obese). High blood pressure? Seen a shrink ever? Recently quit smoking? Pregant or planning on becoming pregnant? You might have trouble getting insured. As you get older, any sort of history with doctors will be scrutinized. Its not so easy for alot of people to just go and pick up private insurance. Hence the concern.

Again, I understand and agree. And then, after you think about all those things ...you either get a job, or purchase private heath insurance. There's no magic, super double secret, dead people insurance. If your point is that you shouldn't become a SAHM because your spouse could die, that's a separate discussion.

[Anonymous]

It is EXTREMELY expensive to purchase private insurance and everything under the sun is considered a pre-existing condition that either up the cost of the insurance or get you rejected by the plan.

[Anonymous]

As a former (but still licensed) attorney, I'd look at one of the ABA plans (I know they oFfer disability, not 100% sure on health). Many other professional organizations offer plans to members.

[Anonymous]

Anonymous wrote:Go back to work and get benefits through the new job.

+1

And/or move back to my parents' country which has national health care.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Private insurance/ Individual policy not thru an employer.

What if anyone has developed a "pre-existing" condition?

That's why I also voted for getting a job that would cover it: I do have a preexisting condition.

[Anonymous]

Anonymous wrote:It is EXTREMELY expensive to purchase private insurance and everything under the sun is considered a pre-existing condition that either up the cost of the insurance or get you rejected by the plan.

I'm recently divorced, and this is not true. I have several medical "pre-exisiting conditions" including an in situ melanoma and a thyroid condition that requires eventual removal of my thyroid. But I have chosen a great BCBS Carefirst HHO in DC for less than $400 a month in premiums. I'm also in my mid-forties.

I don't know why you would post untruths like this.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Go back to work and get benefits through the new job.

If this is your plan in this economy, after you've been out of the workforce for several years, then you need to think again.

Don't you think that if you're STILL a SAHM in this economy that you're really not "into" the economy?

It's all cherries and cream!

Let OP dream on!

Are you posting from Detroit?