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Law Offices of Benita Ventresca408-395-8822
20 S. Santa Cruz Ave., Suite 212, Los Gatos, CA 95030
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Los Gatos divorce lawyer health insurance COBRAMany people take advantage of lower rates or better coverage by receiving health insurance through a plan provided by their spouse’s employer. But what happens when your policy is through your spouse, and you are planning to get a divorce? Your best choices for ensuring that you will have insurance coverage will depend on your situation. Rather than rush out and try to find a new health insurance plan immediately, you can ask your attorney to help you navigate the sometimes-confusing laws and regulations of health insurance coverage during divorce.

Can I Stay Covered?

Often, you will be able to stay on your spouse’s insurance, at least for the duration of the divorce. During a legal separation, on the other hand, you may or may not remain covered. That will depend on the insurance company. Also, if you decide to proceed with a divorce, your coverage will definitely end when the divorce is final, since laws prohibit people from staying on an ex-spouse’s insurance policy after divorce.

Your children, depending on their ages, should be able to stay covered under the ex-spouse’s plan, but an agreement will have to be reached on that. If your children are between the ages of 18 and 26, however, you will not be able to force your ex-spouse to keep them covered. Even though it is legal to provide coverage for adult children, parents are only required to keep their children insured until age 18.

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Posted on in Divorce

San Jose, CA divorce lawyer

When a couple is involved in the divorce process, one of the most important issues they have to face is the division of marital property. When emotions are running high, it can be difficult to remember all of the assets that need to be accounted for and addressed, especially for couples with a complicated assortment of financial investments and debts.

Tangible Assets

This can include many items, but among the largest are a couple’s home and automobiles. Often it makes sense that one party will stay in the family residence, and in that case, the other party will generally be due compensation to make up for whatever value and/or equity that may have accrued. If both spouses want the house, that will have to be determined through mediation or a decision by the court if no agreement can be made. Another option is for the house to be sold and the profits split evenly or equitably between the divorcing spouses. As for cars, both parties will likely keep their own vehicles, if they each have one. 

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Santa Clara County alimony attorney tax lawsThe Tax Cuts and Jobs Act has been a major topic of discussion over the past year, and many people have been affected, whether positively or negatively, by the changes implemented in this law. Those who are in the midst of a divorce case or completed their divorce in the past year will need to understand whether they must file their taxes differently than in the past. In addition, alimony tax laws have been altered drastically, and this has resulted in increased conflict in many cases.

Spousal Support/Alimony Taxes

New laws have changed the way both payors and payees of spousal support claim these payments on their taxes. Those who pay alimony will no longer be able to deduct the spousal support from their taxable income, and those receiving it will no longer have to claim it as taxable income unless the parties otherwise agree. This may not have a large impact on some spouses, but for those in high-asset divorce situations, the money gained or lost could be significant, to say the least.

According to CNBC, the “divorce subsidy” that was previously available was responsible for saving some of California’s top earners as much as 50 percent in taxes. Those savings were enough of an incentive for many people to agree to more spousal support and settle their divorces out of court. Without this incentive, high-asset divorces may be more complicated and drawn out, and the payors of spousal support will be more likely to try to work out deals that will benefit themselves rather than their soon-to-be-exes.

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Los Gatos divorce lawyer limited scope representationA divorce can be costly in many ways. For example, your out-of-pocket living expenses will go up, at least in the short-term, as you pay for a separate residence and all the costs associated with moving and furnishing your new home. You may also be thinking ahead to years of child support payments and other child care costs, as well as saving for retirement as a single person rather than as a couple. 

In order to net the highest value from your division of property and minimize the cost of the divorce proceeding itself, you might consider handling some aspects of the divorce yourself. Rather than pay for a “full service” attorney for both spouses, you might want to consider limited scope representation, also known as unbundled legal services.

Typically, a divorce lawyer will handle all legal aspects of your divorce from start to finish. This commonly includes:

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Los Gatos divorce attorney pet ownership85% of people with a dog, cat, or other animal companion reportedly think of themselves as pet “parents” rather than “owners.” However, divorce laws across the United States are just starting to catch up with this way of thinking. 

Illinois was one of the first states to enact legislation that specifically addresses the issue of pets in divorce. A law that took effect at the beginning of 2018 empowered Illinois judges to grant sole or joint “custody” of a pet as part of a divorce settlement and are directed to consider the well-being of the pet when making such decisions.

California has now jumped on the pet wagon with a new law that takes effect in January 2019. Rather than treat pets like a car or a piece of furniture, something that has only a financial value and must be awarded to one spouse or the other, judges will now handle family pets more like they handle child custody. 

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Law Offices of Benita Ventresca

20 S. Santa Cruz Ave., Suite 212
Los Gatos, CA 95030

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