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. Cedeño & Associates, P.C.
111 Broadway #707, New York, NY 10006

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

How to Select a Maryland Divorce Lawyer

Maryland Divorce Lawyer

Like all states, the divorce laws and court procedures of Maryland are rather complex and difficult to grasp for an inexperienced layperson. While the law does allow individuals to file for and litigate divorce cases without an attorney, most people should consult with a Maryland divorce lawyer before making this decision.
Lots of factors go into a successful litigation of a MD divorce case. For example, what do you even say if you want child custody? What is necessary to qualify for Maryland alimony? How does a parent get a court order for child support? All of these things are relevant to a Maryland divorce, and only an experienced Maryland divorce lawyer is usually going to have the knowledge to guide you through all of the possibilities.

You also want a sympathetic and caring attorney who is actually interested in helping you. Many one-person law firms lack the resources of the large firms but have a great sense of caring and concern for your interests and well being. This may be more important to you than getting an esteemed Maryland divorce attorney that treats you more like a case number than a human being.

Finances are also key when selecting a MD divorce lawyer. Some firms may charge hundreds of dollars for one hour of work, while other divorce attorneys will work with you by placing a cap or some other similar provision in their legal fee structure.

Unfortunately, not everyone can afford a high-class lawyer for their divorce. But the most important thing is probably just seeing eye to eye with your attorney over legal fees and how to litigate your divorce case.

There are many ways to find a Maryland divorce lawyer or family law attorney. Some online websites have lists of lawyers. Some examples (links can be found in the Resources below) are FindLaw and StateLawyers. Use those sites to find divorce attorneys in your MD county. It is generally best to choose a county attorney because experience in that county can help with navigating local court rules and procedures.

You can also try to find legal representation through your county’s bar association (if one exists). These associations are made up of local lawyers, and you can usually get a referral to a Maryland family law attorney through one of these associations.


FindLaw Maryland Divorce Lawyer Lists

StateLawyers MD Divorce Attorney Database

How to Get a Minnesota Divorce Lawyer

Minnesota Divorce Lawyer

As divorce has risen over the past few decades, it is increasingly important to learn how to protect yourself and preserve legal rights in the event of a divorce. In Minnesota, you can file the papers by yourself and litigate an entire divorce case. However, this is not necessarily the best idea. Divorce laws and court rules and procedures are very complex. It is nice to have an experienced Minnesota divorce lawyer at your side, especially when you have important disputes like child custody still left unresolved.
So before you rush to the courthouse to file those divorce papers or respond to a notice of divorce, you should take the time to learn how to find and consult with MN divorce attorneys. You can then decide for yourself whether it is better to proceed on your own or hire the services of a family attorney for your Minnesota divorce.

There are a few ways to find a lawyer in your area to consult about your divorce issues. For example, there are two links in the Resources below. They lead to FindLaw and StateLawyers, sites that have databases of Minnesota divorce attorneys. These lists are divided by county.

Normally, you want to focus your search on the county where the divorce is or will be taking place. This is because, although MN attorneys have a state license, they generally work in a specific county. Family law attorneys in your county will be most familiar with how to file court documents and deal with the habits and preferences of local judges in your Minnesota county.

You can also look for Minnesota county bar associations to search for lawyers. These associations will generally refer you to local specialists in Minnesota divorce law.

After finding some lawyers in your area, make a consultation appointment and start sharing your story. The more you tell, the more help you can get from a lawyer. Honesty is the best policy here. Depending on your personal financial situation, you may have to tailor a plan to limit the activities of an attorney.

An aggressive approach to Minnesota divorce litigation could lead to tens of thousands of dollars in costs. This is obviously not feasible for all individuals, so you need to discuss these things with any lawyers with whom you consult and negotiate.

In the end, pick a lawyer who sympathizes with your situation and needs and agrees to do exactly as you wish for the amount of money you are willing to pay. It is important to iron out these issues before litigation begins to avoid problems during the middle of divorce proceedings.


FindLaw: Minnesota Divorce Lawyers

StateLawyers: MN Divorce Attorney Lists

How to Get a Massachusetts Divorce Lawyer

Massachusetts Divorce Lawyer

Massachusetts divorce laws are not easy to understand. While it is certainly possible to file the papers or respond to a divorce petition without a Massachusetts divorce lawyer, this is not advisable. At the very least, you want to discuss matters with a local attorney before proceeding with a divorce. Issues such as child custody, child support, spousal support, parenting time and division of property are all relevant to a divorce case. Discuss these matters with a MA divorce lawyer to protect your rights.
On the other hand, not all lawyers are a good fit for you. Well-established law firms, for example, may be less likely to want to take a small case than Massachusetts family attorneys that work alone. Some divorce lawyers or firms cater to the rich, while others cater to those on a small legal budget.

For this reason, when you do start consulting with lawyers, you will want to know how much money you have to hire a lawyer and how much and what kind of work you want that divorce lawyer to do. There are several possible approaches that a Massachusetts divorce lawyer can take when litigating a case. The full-scale approach could cost over $100,000 in some cases, and family law attorneys typically charge by the hour. If you do not have this kind of money to begin with, then you obviously need to discuss this before hiring a MA divorce lawyer.

Once you feel you have the information to start negotiating with lawyers, then it’s time to start looking for them. Other than simply asking around town for a referral, you can also use some online databases to initiate your lawyer search.

In the Resources section, you can see a FindLaw link. This link leads to a website that has a database of Massachusetts divorce attorneys. Just click on your county’s name in the selections to find a list of local attorneys. StateLawyers has a similar database. To use that website, click on the link for attorneys, choose your county and then click on the section for your MA county’s divorce lawyers.

Start calling lawyers and discussing your divorce problems. Choose a lawyer that understands and sympathizes with your financial situation. This is the best way to get what you want out of your divorce while maintaining a relationship of trust with your lawyer.


Massachusetts Divorce Lawyers List at FindLaw Website

MA Divorce Attorneys at StateLawyers

How to Live with a Man You Hate: Without Going to Prison

What do you do when you suddenly realize that the man you’ve spent half your life with is a person that you literally cannot stand?
I’m sure that some would immediately advocate that it was time to get a divorce, for the two of you to part ways and move on with your lives. However, that’s not always possible.

In most family situations which involve small children, married couples find themselves in a situation where they are more than just a romantic couple – but instead business partners. And, anyone who’s ever been in business with another person knows, sometimes it’s not always easy – or cost effective – to sever a business relationship. So, if you’re one of those women who has suddenly realized that you can’t stand the man that’s sharing your bed, and divorce isn’t exactly an option that is most beneficial for everyone involved, then here are some handy tips to help you live with a man you hate – without running the risk of spending time in prison.

Find a hobby

This might seem trivial, and even insignificant, but many marriages have sustained many years simply because one or both parties in the marriage have found a hobby which helps to occupy their time. I personally found that by adopting a hobby which my spouse found no interest in whatsoever, I was allowed to have a level of free-time that kept me from having to spend endless hours of my life in the same room where he was at.

It’s also a good idea to encourage him to find a hobby as well. By letting him know that you really don’t mind him going fishing, or golfing, then you’ll have even more time that you can spend apart from one another.

Build a schedule

Conveniently for women, men are creatures of habit. If it is your sole intention to spend as little time with your spouse as possible, then develop a schedule which allows just that. By introducing elements slowly and without alarm, you’ll quickly realize that it’s entirely possible to live in the same house with another person and rarely see them at all!

Take a class

What a better excuse to further your education then by getting the added benefit of fewer hours around your spouse. Depending on the age of your children, taking college classes can be a bit tricky to work out. However, keep in mind that many colleges offer on-site daycare facilities if you’re in need of a babysitter. If your children are older, however, then chances are they are busy with activities of their own and don’t require as much of your time. If this is the case, then take advantage of the opportunity to escape for a couple hours, while at the same time learning something new and exciting.

“Also View : Have a look at the  petition to disbar Peter Cedeno for sexual assault on Change.org”

Have limited conversation

If you’ve truly found that you indeed loathe your spouse, then spend as little time as possible engaged in conversation – otherwise you’ll run the risk of letting the hatred leak out. Spend an allotted amount of time talking about things that effect the both of you as a partnership like the kids, bills, or family schedules. Beyond that, and a quick “How was your day”, try to say as little as possible. Not only will this help to not leak out hatred, but it will also prevent an unruly argument from taking place.

All in all, it’s important to understand that just because you’ve grown to hate your spouse that doesn’t mean that your life is over. By learning how to adjust your schedule, include new activities and with the purchase of a new personal massager – you’ll find that living in an unhappy marriage isn’t so bad after all.