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How to divide insurance policies in a Pennsylvania divorce

When a couple gets divorced, they must decide what they are going to do with any joint insurance policies that they have. For instance, a couple might have been covered under a single health insurance plan. If that is the case, the spouse who is no longer covered may need to get their own coverage through their employer. A spouse may also be entitled to COBRA coverage, which entitles them to the same policy that they had if they pay the entire premium.

Those who have life insurance may wish to check the beneficiaries on those policies. If a former spouse is listed as a beneficiary, he or she would receive any money from that policy if the policyholder passed on. It may also be possible to have a policy transferred to a custodial parent if the policy was designed to take care of the couple's children.

Liability insurance for a home or car should also be maintained as long as a spouse's name is on a title to that property. Any spouse listed on a deed is liable for any damages caused to others while using the car or while they are on a property. This is true whether an individual is still living in a home or driving a car that they may technically still own.

Insurance policies may be considered marital property, which means that they are subject to property division. Talking to a family law attorney may make it easier to determine how to split such policies as part of an equitable divorce settlement. Determining a fair split may be done either inside of or outside of a courtroom. If a couple has children, making them beneficiaries of an insurance policy may be considered in their best interest.

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