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SD 18 - insurance coverage

Mary Read's picture

Submitted by Mary Read on Thu, 01/12/2012 - 7:12pm

I know someone posted an entry about this last week, but I didn't follow the blog so I'm posting my own entry.

I have a skid who is 18 and graduating high school in June. He has refused to see DH for almost three years. He is on my medical insurance. Court ordered that DH carry medical insurance and for cost purposes it made sense that I carry family coverage through my employer.

Of course, under "Obamacare" I could technically carry SS18 until he is 25 and it wouldn't cost me anything, monetarily. Under court order, I can drop him in June and let BM pick up the insurance, if she so chooses.

This kid has been nothing but a thorn in my flesh and in his father's for a long time. Court appearances to ask the judge to remove parenting time, etc. by SS18, threats of violence against DH, phone calls where he swears at DH and tells him he was a terrible father. You get the picture.

BM's jobs are all part-time because she doesn't want to have to show any real income to the court so CS would be lowered. She has a BS degree, but won't use it. So, technically, if she wanted to, she could go get a full-time job with benefits and put SS18 on her insurance.

Thoughts? Good, bad and ugly.

MR

Comments

alwaysanxious's picture

Submitted by alwaysanxious on Thu, 01/12/2012 - 7:27pm

I can't see a reason why you would continue to carry him on insurance. Even though it doesn't cost you anything financially, its still a tie that he seems to have severed. Its really not your responsibility and you have no associations with him. If it were me, I'd just cancel it and not say anything. The CO agreement was met. That's all BM and SS should expect given the current status of your personal relationship.

skylarksms's picture

Submitted by skylarksms on Fri, 01/13/2012 - 9:28am

That's how I felt too when I put my DS21 on my insurance but NOT my SD18. Since she has done everything she can to avoid talking to us for the past two years (obviously hurting both of us in the process) AND has cut us out of her AND her baby's life - for no really good reason...

I put my excuse down as 'I didn't know her new address.' Which I don't and the application asked for. PB kicked her out within a month of her 18th birthday (surprise, surprise) and of course, DH being nothing but a wallet, neither SD nor PB has told us where she lives. SS has been sworn to secrecy.

I would say NO. Having extra (unnecessary) ties to a child who obviously does NOT want a relationship, has too much potential to come back and bite you in the ass.

12yrstepmonster's picture

Submitted by 12yrstepmonster on Thu, 01/12/2012 - 7:28pm

I'm in you boat- my SD is 20.

While Obama care does say you can carry him on your insurance until 26 there is usually a stipulation through an employer.

In my instance if a dependent is over the age of
19 and has employment where insurance is offered. I have to drop the dependent.

Dh insurance says if the dependent is a fulltime student and works some places that offers insurance we he can cover dependent. However if the dependent isnt in school at least for one semester in a calendar year he has to drop her.

If child support has stopped I would drop the kid.

lexaprotakemeaway's picture

Submitted by lexaprotakemeaway on Thu, 01/12/2012 - 7:48pm

I guess the only thing about not carrying insurance on him would be if he did end up needing medical care, would BM try to peg y'all for part of the bills?? Not sure if that's legal since he's 18. I say if she can't come after y'all for bills, kick his ass off. He's a big boy now.

Jsmom's picture

Submitted by Jsmom on Thu, 01/12/2012 - 8:36pm

Why do it for someone you don't have to who is contributing nothing but heartache to your life. You answered your own question. He can always pay for it out of pocket. Expensive, but insurance is not required by us steps and parents to cover when they are over 18....Get a job or be nicer to us...