Divorce and its impact on your health insurance coverage

Divorce causes major concerns with health insurance benefits. Many households have employer provided and/or paid for medical insurance benefits that cover the whole family. It is not unusual to see circumstances where the other spouse is a stay at home parent, with absolutely no access to medical insurance benefits, or used at a job with either no medical insurance advantages available or those benefits offered at a substantial expense. After a divorce, the spouse with the household health insurance coverage can no longer cover the other parent. They are no longer “family” members who can benefit from one health insurance policy. How to then guarantee that everybody remains insured does end up being an issue for settlement and/or divorce lawsuits. Expert family-law attorney Peter Cedeno from New York shares his knowledge with us on this subject today.

Insurance policy on a desk.

Health insurance can become expensive post-divorce.

If both parties do not have health insurance advantages readily available and if the expense of obtaining those health insurance benefits for the other celebration after a divorce become excessive, there is one way to continue benefits without additional expense. That way is to enter into a separation contract, however postpone the divorce. That method, the parties actually do remain married and they can remain on the very same medical insurance strategy even believed they are separed. The celebrations can grant waiting for one, two or more years before either one apply for a divorce. While the celebrations will stay married, their support, custody, and home concerns will be resolved in their separation arrangement. Under some scenarios, this is an optimal resolution. What if both celebrations desire one spouse to remain at house for numerous more years with young kids, however they do still desire to different and divorce? This alternative works for them. They can separate, agree upon getting a divorce and all of the terms that they need to concur upon, but postpone the last divorce so that they can keep cost reliable health insurance advantages in location.

The above example can provide some difficulties that need to be discusse in information with your divorce attorney. If you different but do not divorce, your federal tax filing status may be impacted. Likewise, in some states, it is not as simple as in other states to implement a separation contract. Or, in yet other states, it is possible for one spouse to take the advantages provided by the arrangement for a year or 2 and after that litigate and seek entirley various kinds of financial relief in a divorce action. Just a divorce lawyer certified to practice in your state can advise you on these concerns.

Another choice for couples divorce is COBRA protection. COBRA is a federal law which mandates that an individual covered under a health insurance policy be offered the right to continue that coverage, at their own cost, for a set time period if certain requirements exist. For instance, if you acquire a divorce and your partner had household medical insurance coverage through his employer, the employer would need to supply COBRA protection for you after the divorce. That COBRA coverage would need that you have the exact same health insurance policy, although your coverage would now be specific and not family. You would have to pay the employer’s cost for that specific policy.

It is not unusual for a remain at home spouse or a partner who has less income or employment alternatives to obtain COBRA coverage and to negotiate that their partner spend for that coverage for a defined period after the divorce. In doing so, this offers the partner who did not have protection offered a long time to either acquire employment with coverage or become financially settled and able to afford their own protection.

Divorce triggers significant problems with health insurance advantages. After a divorce, the partner with the household health insurance coverage can no longer cover the other moms and dad. If both celebrations do not have health insurance advantages available and if the expense of getting those health insurance coverage benefits for the other celebration after a divorce ended up being expensive, there is one method to continue benefits without extra cost. They can separate, agree upon getting a divorce and all of the terms that they have to concur upon, however delay the final divorce so that they can keep expense effective health insurance coverage benefits in location.

If you obtain a divorce and your partner had family health insurance coverage through his employer, the company would have to provide COBRA protection for you after the divorce.

Peter Cedeno on choosing the right divorce lawyer for your needs.

New York Divorce Lawyer

Choosing your New York divorce legal representative could be among the most important things you perform in your divorce. His skills with managing both legal and technical concerns could indicate the difference between a comfortable financial settlement with your partner total with spousal support and child support or an all out war in court for every single minuscule things that belongs to the conjugal home.

In addition, another reason why you need to pay more attention to selecting your New York divorce legal representative is that your decision in this regard is often last. Typically, it needs the consent of the judge prior to you can replace or alter New York divorce lawyers.

Altering Lawyers is Expensive

When you first hire a New York divorce legal representative, he will usually ask for a retainer. You are still required to pay the fair quantity to the New York divorce attorney for the work he has actually already done for you.

In the end, all of it depends upon what fee arrangement or agreement you may have signed prior to working with the services of your New York divorce legal representative. You’re okay if the stipulation for the retainer agreement offers that the retainer is refundable. However, if the agreement says that it is non refundable, then you might wish to consider that.

In any case, ensure that there is a written arrangement with your New York divorce lawyer and that it consists of the items you have agreed upon. Do not trust a spoken contract or a simple understanding.

Qualities to look for in your attorney

Choosing a New York divorce lawyer resembles choosing a medical professional. When you are going to have a child and you are searching for an excellent medical professional to manage prenatal care and delivery, you search for the following qualities in your doctor:

  • A professional in obstetrics
  • Has experience in obstetrics
  • Board-certified in obstetrics
  • With whom you feel comfy with and can rely on

Think about the same factors when selecting your New York divorce lawyer. Search for one who:

  • Is a specialist in divorce law
  • Has experience in divorce law
  • Has taken continuing legal education courses in divorce law
  • Has passed the bar in your state
  • With whom you feel comfy with and can trust

Where to look for your lawyer

Start by asking pals, household, or any associate who has actually just recently gone through divorce or knows someone who does. Ask what they liked about their New York divorce attorney and if provided the possibility, would they employ them once again.

Peter L. Cedeno & Associates

New York Attorney Peter Cedeno suggests that you can also call your regional court house and regional bar association. Bar associations generally have their own legal representative referral programs which are an excellent way for you to get excellent recommendations.

In addition, another factor why you require to pay more attention to picking your New York divorce lawyer is that your decision in this regard is typically last. Usually, it requires the approval of the judge prior to you can substitute or alter New York divorce legal representatives. If your decision to change New York divorce attorneys is too close to the trial date, the judge might not permit you to.

When you first employ a New York divorce attorney, he will usually ask for a retainer. In the end, it all depends on what charge arrangement or contract you may have signed prior to working with the services of your New York divorce lawyer.

NYC Lawyer Peter Cedeno Could Be Disbarred

Peter L. Cedeno, an NYC divorce lawyer, has been accused by former client of raping her and failing to fulfill his ethical duty in order to seduce her.

Recently, a large number of other former clients have surfaced online and shared their horror stories on Reddit.

There has been a growing demand from the public to disbar unethical lawyers like Peter Cedeno and a Change.org petition was started for the same by an anonymous woman who claims to have been sexually harassed by Peter L. Cedeno in the past.

Mr. Cedeno runs a small law firm in New York by the name of  

Peter L. CedeƱo & Associates, P.C.
111 Broadway #707, New York, NY 10006

Ten Ways to Avoid Divorce

How to Avoid Divorce

Divorce rates are considerably higher than they have ever been in the history of marriage. There are many factors responsible for the reality that many people simply do not take the steps to avoid a divorce. If you are married and have just heard those dreaded words from your spouse, it’s time to take action if you want to save your marriage from divorce court.
There are probably just as many scatterbrained schemes as there are reasonable and realistic options that you can use to put your marriage back together. This means you have to be aware of ideas that seem too good to be true and to put your focus on choices that you can put into action.

1. Avoid denial. We understand that you’re in shock and the natural reaction may be to want to deny that your spouse wants a divorce. Don’t deny the truth hoping it will just go away and everything will be okay. You need to take action and the first action is to accept that there’s a problem so that you can set about working to resolve it.

2. Assess yourself. This may sound contrary if you are not the one asking for a divorce but an evaluation of yourself is a good way to start looking at what factors may have caused a divorce to come up. Are you the same size as when you were married or have you put on weight and let your appearance slip? Do you take the time to make yourself attractive to your spouse or do you take them for granted. Sometimes divorce can be the result of failing to take care of ourselves which directly impacts how your mate feels about you.

3. Evaluate your marriage. This is extremely important because it is your marriage that is on the line. Have you been happy with your spouse or have the two of you been fighting like a cat and dog? Is there any romance or do you simply have sex as a ritual? When do you spend quality time together without the kids, the dog, the cell phones and the laptops? Understanding what the present state of your marriage has been for the last few months or even years can be a starting point in trying to save your marriage by resurrecting romance, passion, fun and togetherness.

4. Consider marriage counseling. Sometimes the threat of divorce is a cry for help. Your spouse may be dealing with some frustrations and be at their wits end because they’ve tried talking to you and you haven’t listened. Marriage counseling allows both partners to speak about the condition of the relationship and the problems being encountered, all within the help of a marriage counselor who can try to help sort things out.

5. Take an intimacy break. As strange as it may sound, the announcement of a divorce may trigger certain feelings in one or both spouses that are highly aroused and spontaneously filled with unbridled passion. The problem is that these hot moments are not a substitute and it’s very possible that you will find your spouse even more unreasonable afterwards due to feeling manipulated or used.

6. Try praying. No matter what your religious beliefs are, you can try to start out with simple prayer that places your needs before the Creator.

7. Don’t belittle yourself. Once you are over the denial, you may want to beg, cry or threaten your spouse to get them to agree that a divorce is not necessary. This will only make you feel worse when you discover you cannot make them do what you want.

8. Have a lunch meeting just to talk. Try to pick one of your favorite dining spots and agree to meet just to talk. Take the time to listen to what your spouse has to say. The key may be in the words they share with you. Don’t resort to finger pointing or spiteful comments as they will only cause more damage.

9. Express yourself in writing. Sometimes the best way to deal with our feelings is to put them in writing. Saving your marriage may be the same thing. Sit down and write a letter to your spouse and explain how you feel about them, why you want your marriage to work and what you believe the two of you have to look forward to together.

10. Use your heart and mind. Your heart is a brilliant emotional tool. Let it guide you to the positive feelings you

Your Best Way to a Quick Divorce

Quick Divorce

In the event that you are thinking about a fast separation and divorce, then you probably would like to get far from your spouse as quickly as possible. Lots of partners who’re thinking about separation and divorce are often around the stage associated with quarreling over the littlest difficulties. Bickering is actually continuous. The actual adoration which was at the time presently there appears missing. When it’s apparent that the partnership is beyond solution, then a swift divorce proceeding is actually the thing you need.
Before you decide to act rashly, there are some great methods for getting a fast divorce proceeding. Here are some ideas to assist you in finding the proper way to a fast finalizing of divorce proceeding documents.

There are plenty of individuals available who’ll benefit from a person’s desire to have a fast breakup. Numerous “legal experts” have advertisements within tabloids proclaiming to offer you a very speedy as well as low-cost divorce case. These people guarantee top quality assistance with regard to costs which range from $150-$300. After that you will find all those internet separation and divorce sites that provide a person all of the advantages of a normal divorce in the convenience of your home. Internet separation and divorce solutions provide a surprisingly low cost (often below $1000) and you need not head over to the courtroom even once. There is something typical regarding many of these providers. Many of them are phony.

These strategies to obtaining a speedy breakup prevent plenty of legalized methods. This is the reason the particular finalizing is really quick. Whilst this may allow you to really feel great due to the fact it is low-cost as well as speedy, there are plenty of long term issues that may come up out of this. Many people which have employed one of these simple quick-fixes currently have wound up having problems with govt assistance after wards. The reason being as far as information saved within govt directories, they are officially still wedded. In spite of getting authorized divorce case documents, the truth is you cannot always be assured of your high quality divorce proceeding should you prefer these types of options.

For this reason if you prefer a fast separation and divorce which is concrete, It might be recommended to employ a great divorce case attorney and also figure out the facts together with your wife or husband. When the both of you can easily achieve an agreement by means of discussion, a lawyer can iron out your legal aspects for you personally. You will be away from your marital life right away. Additionally, you should the advantage of an assurance towards difficulties relating to your breakup later on.

A good expedient divorce proceeding does not have to compromise top quality. This simply requires a chunk of compromise as well as great choices to turn the actual dream of an instant divorce proceeding right into an actuality.

How to Retain Custody of Your Child or Children During Divorce

When filing for divorce, one of the most challenging parts of the process is not splitting property or separating accounts. It’s deciding who will have custody of the child or children. Highly contested custody cases can ultimately harm the child or children involved. And, sometimes, courts may act to bar one parent from having regular contact and limit their input on their own child’s upbringing. Losing the ability to be a positive influence in your child or children’s life can be scary to a parent; however don’t lose hope. Here are some tips on how to retain custody of your children in a divorce.

Types of Custody

When a child is born, biological parents each have custody of their child. No order is truly necessary as long as the parents work together to raise their child; however, custody has many aspects.

Physical custody of a child means that the child lives in the home with a parent. Legal custody relates to the ability of parents to make decision, such as educational, religious influences, and medical treatment, regarding the child. Having sole custody means that one parent can make all decisions. Having shared or joint custody allows both parents to have input.

Many folks confuse visitation with custody, but visitation is not the same. Visitation allows one parent, who is the child does not live with, to have access. Visitation can be in-person, on the phone or even through virtual means. The intent of this form of parent-child contact helps foster a healthy relationship with the non-custodial parent.

General Considerations

When a court awards physical custody to one parent over another, the court has made a determination that the child is better suited in one parent’s home or household versus the other parent’s home or household. The court will consider financial stability, emotional stability, familial supports, educational opportunities, and even the comments and desires of the child.

When a parent does not obtain physical custody, the court is not often saying the parent is a bad parent. The judge is basically deciding that the other parent can better provide for the child.

Best Interest of the Child

Any decision about a child, whether it’s custody or visitation, is govern by the precept of “best interest.” Children are young, impressionable and need a positive healthy home environment. Courts, sometimes with the help of Guardian ad litems, seek to make sure that the parental home can provide for the child’s physical as well as emotional needs.

The Process

In seeking a custody change, a parent can file a petition for custody with the appropriate family court (juvenile and domestic) in their area. Once the petition or motion is filed, the court will set a hearing date.

During that hearing, whether represented by counsel or not, the parent seeking custody should be prepared to present evidence, not just opinion, in support of their request to amend their custody arrangement and order. In presenting evidence, the parent should have documentation to offer and witnesses to testify.

What to Prove

In gaining custody of your child, a parent must offer the court information about the parent child relationship, the parent’s ability to provide a safe, stable home, and a parent’s ability to help their child have a continuing positive relationship with their other parent.

A parent seeking custody can offer pay stubs to prove job stability, have family members and friends come speak about their parenting styles, or even call a minister to testify as to activities that their family or children are involved. While tooting one’s horn is never harmful, a parent seeking to retain custody must demonstrate to the court that they are very involved and active in their child’s general care and future plans. Some examples of things a parent may want to show a judge can include the fact that they volunteer at their child’s school, take their child to doctor’s appointments, and even read them a story every night.

While the parental relationship may be strained, a parent seeking custody must show their willingness to co-parent and their ability to set aside their personal feelings to ensure that their child visits with their other parent. In those cases where the other parent has been disinterested, violent or negative toward the child, a court must consider this evidence. In those cases, a parent may not need to push their child into a continuing relationship which may be emotionally harmful to them.

When it comes to child custody cases, there are no real winners or losers. Children suffer when they are drawn into conflicts between their parents, but conscientious parents know will want what’s best for their children and not use a custody battle as a means of harassing the other parent. Seeking to obtain or regain custody of a child or children can be successful as long as the parent is motivated by the needs of their child or children.

How to Select a West Virginia Divorce Lawyer

West Virginia Divorce Lawyer

Walking into a divorce without a lawyer sometimes feels like walking into a West Virginia coal mine without a gas mask. Divorce laws are quite complex, and using them to your advantage takes years of trial practice and experience. This is the value of getting a West Virginia divorce lawyer.
While not all people can afford a lawyer for their divorce, everyone can at least contact some local attorneys for a free divorce consultation. And if you do decide that you need and can afford an attorney, then you should learn some basic tips about how to find the right lawyer for your WV divorce case.

First, you should compile divorce-related information that you might be able to use in court. In addition to information about the private aspects of your relationship, all financial matters can become relevant. This includes income, premarital assets and marital assets.

The other big area you need to be thinking about is parenting. In West Virginia divorce cases, the judge can decide child support, child custody and parenting time. Indeed, this is one of the most hotly contested areas in contested divorce cases. Get all of this information into a file before you start consulting with attorneys.

Now that you are armed with the right information, look for the website links in the Resources section to find sites that have lists of West Virginia divorce lawyers. Both sites list the attorneys by county, and FindLaw also lists them by city. You want to find a local lawyer where you live because family law attorneys in your area will know how to navigate the local court system.

When speaking to lawyers or negotiating a representation agreement, go with a lawyer who seems to care about your concerns. Some divorce lawyers treat you more like a number than a real person. If you are going to be uncomfortable around an attorney, then go ahead and find another one.

Legal fees vary from lawyer to lawyer and even client to client for the same divorce lawyer. Those with more money naturally end up getting more services, which can get way too expensive for the average West Virginian. So the last thing you need to do is establish a plan for paying your divorce attorney.

This means you may have to pick and choose what you want your lawyer to do, as doing everything possible in a contested divorce suit can be overly expensive. Most of all, remember that you are the boss, so pick a lawyer who is willing to abide by your wishes as to the scope of representation and budget that you set (within reason).


West Virginia Divorce Lawyers (FindLaw)

StateLawyers Lists of Specialty West Virginia Attorneys

How to Pick an Arkansas Divorce Lawyer

Arkansas Divorce Lawyer

Trying to get through a tough divorce without an Arkansas lawyer can be like fighting a wild razorback with your bare hands. Divorce attorneys have the requisite knowledge of Arkansas divorce laws and the life experience to advise and assist you on issues related to court filings, division of property, divorce-related support issues and child custody matters.
All parties who are or anticipate filing or being served divorce papers should first learn how to hunt down Arkansas divorce lawyers for consultations. If an attorney is needed, the parties should then know how to assess a lawyer and negotiate for the best deal under the circumstances of each case.

To find attorneys in your area, go to the Resources links below. The first one is for FindLaw, a site that has legal resources, including lists of lawyers throughout the United States based on specialties. Pick your city or county name on the list and then look at the list to find local attorneys. Similarly, StateLawyers provides specialty-based lists of attorneys in the United States, including Arkansas divorce lawyers. Click on your county and select the “Divorce” specialty to find local attorneys.

Another way to hunt down local attorneys is by using the county bar association. Not all counties necessarily have one of these, but those that do will either provide you a list of divorce attorneys in your Arkansas county or use a lawyer referral service to hook you up with a lawyer. Note that some of these services may charge a consultation fee, whereas you generally do not pay a fee if finding a lawyer on your own.

When you do call and then meet up with these lawyers, be honest from the outset about what you want to accomplish through your divorce and the finances you have to pay for it. Some lawyers may actually decline your offer, as lawyers and law firms do charge different rates and have different preferences.

So what you are trying to do is find an Arkansas divorce lawyer that wants to do the type and amount of work you request for the amount of money that you offer. This could be difficult if you are lowballing your offer. In the end, only you can decide whether what you will receive from getting a lawyer is worth the price you have to pay.


Arkansas Divorce Lawyers FindLaw Directory

Arkansas Divorce Attorneys StateLawyers Lists

How to Select an Oklahoma Divorce Lawyer

Oklahoma Divorce Lawyer

Oklahoma divorces can be done either uncontested (generally without an attorney) or contested with or without a lawyer. Of course, if there are big issues in dispute that the parties cannot resolve, that increases the need for an Oklahoma divorce lawyer to navigate the pitfalls of complex state divorce laws and court procedures.
Whether you choose to get a lawyer or not to get a divorce in Oklahoma, a good starting point is to at least consult with a lawyer about the big issues and concerns surrounding your divorce. Important things to consider are your reasons for getting a divorce and what you expect to gain from this situation.

An example would be child custody. Occasionally, parents have big disagreements about how to raise a child. Most parents would consider this issue far more important than merely who is getting the house or how much someone can get in alimony. If it is vital in your mind that you get custody of the kids, that may be worth getting an Oklahoma divorce lawyer even if you have trouble paying your legal fees.

Sometimes, if you press hard enough on a lawyer during negotiations, you can get a special fee structure. The more important and urgent the matter is, the more likely you can get at least some temporary legal help from a lawyer.

Even if you are wealthy, legal fees can become astronomical if you do not keep your attorney on a tight leash. Have an agreement in writing that your lawyer must give regular updates of all legal fees accrued up to that point. You can even set a specific amount over which the attorney is not allowed to bill.

To find the right divorce attorney, consider how well you get along with and communicate with the lawyer. Remember that communication is a two-way street. To get good communication, you need to give it, as well. Comply with all requests for information and anything else the lawyer needs to help you in your divorce case.

It is easy nowadays to find OK divorce lawyers in your area. Use the website links below to visit databases of Oklahoma family law attorneys. For FindLaw, just select your Oklahoma county or local city name. For the StateAttorneys website, click on your county name to find the list of lawyer specialties. You will find a “Divorce” link on that page to access a list of attorneys in your OK county.


FindLaw Oklahoma Divorce Lawyers

StateAttorneys OK Attorney Lists By Specialty


Selecting a Connecticut Divorce Lawyer

Connecticut Divorce Lawyer

Connecticut divorces run the gamut from super-simple uncontested divorces to knock-down, drag-out court battles. The kind of divorce you want to get still does not really change the fact that you should get the advice of a Connecticut divorce lawyer. Only a lawyer will know your full set of rights under Connecticut divorce laws.
Even if you have no money to pay an attorney to handle your divorce, it is still possible to glean information from free consultations. At least you will have the peace of mind that comes from a lawyer’s advice on your trial strategy. You can often get this kind of information for free if you go to a consultation armed with the proper information.

To prepare yourself to start meeting lawyers in your area, get all relevant information together to present at the consultations. Everything related to household finances, including incomes of both you and your spouse and assets acquired both before and after the marriage. If you have children, then any hopes or desires you have relative to child support or child custody should also be discussed. CT divorce lawyers can litigate these children issues at the the divorce hearings.

You also want to start thinking about what you want to achieve during this divorce. So many times, people get to focusing on getting even or trying to make the other party look bad. But if you have children together, you cannot expect to get sole custody unless your spouse has done something to harm the children. So also think about the long-term potential effects of a divorce if you are thinking of trying to play hardball.

Probably the most important things are to find a lawyer who has a willingness to help you get what you want but within the pre-defined budget constraints that you set for the entire divorce. Come right out during negotiations and say you absolutely cannot spend more than the maximum price for legal fees that you set.

There is not much sense in selecting a Connecticut divorce lawyer unless the two of you can agree on the cost of the representation. So get this in writing before you hire an attorney.

Get all of the relevant information and then use the links in the Resources below to start finding CT divorce lawyers. Make a list and contact the ones in your city or county. Get as much free advice as possible and hire a lawyer only if what you have to gain is worth the price a lawyer agrees to pay.


FindLaw Connecticut Divorce Lawyers

StateLawyers CT Divorce Attorneys