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Is it beneficial for elderly people with health problems to get a divorce on paper only? (Taxes, Insurance)? |
My husband is disabled and I work. Right now anything he needs, like a motorized chair, the insurance won't pay for because I work, but I don't make enough for a chair. Will it help us in any way? Consult a divorce attorney, they have free consultations. What ever happend with For Better or Worse, for Richer or Poorer, In SICKNESS & IN HEALTH???? Doesn't anyone take their wedding vows serious anymore??? I鈥檓 one of the writers for Gilbert Guide (the foremost resource for everything senior care), and while I don鈥檛 have information to give you on the legal benefits of divorce, I may be able to offer some other helpful tips. Based on what you鈥檝e indicated in regards to your financial situation, it sounds like you might be a good candidate for a reverse mortgage, if, that is, you own your home. Essentially, a reverse mortgage allows you to access the equity you have in your home, without requiring you to make payments at any point in your lifetime. The money you receive is tax free, and you can work out a payment plan with your bank that will sufficiently provide for your husband鈥檚 medical needs鈥攚ithout having to break your marriage vows. The only requirements are that you are over 62 years old and own and occupy either a single-family home or a condo. To read more about reverse mortgages, visit: http://www.gilbertguide.com/solutions/re... I am curious which type of insurance covers your husband. Does he have long-term care insurance? Many people think long-term care refers only to nursing homes, but it actually encompasses a broad range of services most people will need as they age. You can read more about LTCI by visiting our homepage and clicking on the link in the bottom right hand corner. This may be a viable means of accessing additional funding for medical services and equipment. My last suggestion is to consult a geriatric care manager (GCM). GCMs are professional advocates who will help you and your husband find and implement the best possible care for his needs鈥攚ithin your budget. If you live in either San Francisco, the bay area, Dallas/Fort Worth, Philadelphia or any of New York鈥檚 five boroughs, visit our subscription service to find a GCM near you. I wish you the best, and hope you don鈥檛 need to divorce to find the care you need! The Gilbert Guide team www.GilbertGuide.com |
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