Health Insurance: Divorce Often Ends Coverage for Women

How Effective Will The Affordable Care Act Be For Women Suffering Health Insurance Loss After Divorce?

health insuranceApproximately 115,000 women lose their private health insurance every year as a result of divorce, according to a recent University of Michigan study. “Given that approximately one million divorces occur each year in the U.S., and that many women get health insurance coverage through their husbands, the impact is quite substantial,” said Bridget Lavelle, a U-M doctoral candidate in public policy and sociology, and lead author of the study which appears in the December issue of the Journal of Health and Social Behavior.

Many women who lost their health insurance coverage remained uninsured for more than two years following their splits, according to the researchers who analyzed data from women between the ages of 26 and 64 from 1996 through 2007.

Lavelle conducted the study, which analyzes nationally representative longitudinal data from 1996 through 2007 on women ages 26-64, with U-M sociologist Pamela Smock. Their research was supported by the U-M National Poverty Canter.

Among the other key findings of the study according to a University of Michigan press release:

  • Each year, roughly 65,000 divorced women lose all health insurance coverage in the months
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Military: What Does “Residency” Really Mean for Those Who Serve?

Military Members Must Meet The Residency Requirement To File For Divorce In Ohio

militaryThe Ohio Revised Code §3105.03 states that “[t]he plaintiff in actions for divorce and annulment shall have been a resident of the state at least six months immediately before filing the complaint.” That being said, many people are often confused as to what is meant by the term “resident.” When it comes to divorce, Ohio defines being a “resident” as being domiciled in Ohio. For one to be domiciled in a state, the person must have a home in the state, and he must have the intent on making Ohio his permanent home. He must have the intention of living and staying in the state of Ohio. When a person enters the military and is enlisted to service, his domicile remains where it was before his Military service unless he chooses to move to a new domicile where he intends to remain. Therefore, the real focus is a person’s intent to remain in a state.

The court has stated that “Every person must have a domicile somewhere, and that domicile is not lost until a new one is acquired. A person abandons his old domicile and acquires … Read More... “Military: What Does “Residency” Really Mean for Those Who Serve?”

Post-Traumatic Stress Disorder Treatments Effective?

A New Study Suggests that Psychological Therapies Improve Life for Children with Post-Traumatic Stress Disorder

post-traumatic stress disorderPost-traumatic stress disorder (PTSD) is highly prevalent in children and adolescents who have experienced traumatic events such as child abuse, violence, road accidents or natural disasters. In children, post-traumatic stress disorder can lead to delayed development and behavioral problems. More generally, it is associated with anxiety, depression and suicidal tendencies. The aim of this review was to examine the effectiveness of all psychological therapies for the treatment of post-traumatic stress disorder in children and adolescents.

In this first systematic review of post-traumatic stress disorder (PTSD) in young people age three to eighteen, researchers found that children diagnosed with post-traumatic stress disorder showed signs of improvement up to three months following treatment.  The psychological therapies used in the review were cognitive behavioral therapy (CBT), exposure-based, psychodynamic, narrative, supportive counseling, and eye movement desensitization and reprocessing (EMDR).

However, no systematic review analyzing the potential benefits of these therapies has been undertaken until now. This review published in The Cochrane Library focused on 14 studies that together involved 758 children aged 3-18 suffering from post-traumatic stress disorder due to sexual abuse, violence, road accidents or natural disasters.

Most … Read More... “Post-Traumatic Stress Disorder Treatments Effective?”

Divorce: 25 Details Often Overlooked in Negotiations!

Two Founding Members Of The International Academy of Attorneys for Divorce over 50 Compile Their List!

divorceAttorney Mark Chinn of Jacksonville, Mississippi, caught my attention with a divorce post to his family law blog about some items that are frequently forgotten in many divorce agreements. Mark is the author of three American Bar Association books about family law issues and is a frequent writer and lecturer in the field of family law. In addition to these accomplishments, we are both founding members of the International Academy of Attorneys for Divorce over 50, established in 2010.

The first eleven in the divorce list were Mark’s, the rest were some that I have added.

  1. Garage door openers
  2. Gate remote controls
  3. Extra keys to car and house
  4. Security codes
  5. Hotel credit card and airline points
  6. Utility and other deposits
  7. Tax and insurance escrows
  8. Car tag credits
  9. Overdrafts on joint checking accounts
  10. Dates to carry through insurance coverages
  11. Attorney’s fees paid with joint funds
  12. Real estate escrow account refunds
  13. Important days not addressed in the Court’s Parenting  Time Order
  14. Season ticket rights
  15. Country club membership and club access
  16. Storage unit details
  17. Dividing and copying family photos
  18. Copying documents, pictures and files from the
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Parenting Time and Child Support In Ohio, The New Initiative

New Parenting Time and Child Support Project in Ohio To Increase Time A Child Spends With Both Parents, Even If They Are Divorced or Separated

parenting timeI have been practicing family law for 34 years. In my opinion the process by which the State of Ohio has gone about establishing child support orders in Juvenile Court without including any parenting or visitation provisions was patently unfair to fathers. I appreciate that taxpayers shouldn’t have to shoulder the burdens of paying welfare or other assistance for children when it is the joint legal responsibility for their mothers and fathers to do so. But is it fair to establish a child support obligation and not include any reciprocal provision for the fathers to have the right to visit their child(ren)? It is no wonder that there are so many uninvolved fathers out there. Psychologists will tell you that a child who has had both parents involved in his/her upbringing stands a much better chance to become a stable healthy adult. That is why I am very excited about this new, long overdue Ohio project!

Ohio’s New PTOC12 Project

This new statewide project in Ohio will try to increase the time a child spends … Read More... “Parenting Time and Child Support In Ohio, The New Initiative”

Divorce Lawyer: Should I Hire a Male or Female?

How Gender Of Your Attorney Will Have Very Little Impact On The Final Outcome Of Your Divorce

divorceThere are many factors to consider when selecting your divorce or custody lawyer.  One of the common concerns is whether or not a divorce litigant will be better off having a male or female divorce lawyer representing him or her.  Some people think that if they want an “aggressive” divorce lawyer, they need a male; but if they want someone who is “compassionate,” they should hire a female divorce lawyer.  Should the lawyer be a feisty “take no prisoners” divorce lawyer or does it make sense to have a “nice person” approach in the courtroom?  I’ve heard some men say that they would prefer to have a woman represent them because an aggressive female attorney can soften the harshness of husband’s arguments against his wife.  For example, a male attorney criticizing a wife’s choice not to work outside the home can appear cruel or attacking, but those arguments made by a female attorney could score points in a less offensive manner.

The true answer to this quandary is that there isn’t one personality type or gender that is right for every custody or … Read More... “Divorce Lawyer: Should I Hire a Male or Female?”

Divorce And Household Chores, Does It Also Divide The Family?

A New Divorce Study Suggests that It Does!

divorceI confess that I am a bit of a junkie of surveys and studies. So I am always on the lookout for interesting ones that relate to family and/or divorce issues. Recently, I came across this Norwegian study that found the divorce rate among couples who shared housework equally with their husband was around 50 percent higher than among those where the wives did most of the housework.  I showed write-ups about it to my wife of 34 years, and she immediately scowled and dismissively said something like, “Yeah right.”  So at the risk of alienating my wife and also being politically incorrect, I decided to share the findings here.

In what many may conclude is a slap in the face of gender equality, the report found the divorce rate among couples who shared housework equally, was around 50 percent higher than among those where the woman did most of the housework.

“What we’ve seen is that sharing equal responsibility for work in the home doesn’t necessarily contribute to contentment,” said Thomas Hansen, co-author of the divorce study entitled, “Equality in the Home”. “The more a man does in the home, the … Read More... “Divorce And Household Chores, Does It Also Divide The Family?”

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