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Health Insurance and Marriage
12-02-2013, 09:49 AM
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#1
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Gone but not forgotten
Join Date: Aug 2006
Posts: 6,924
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Health Insurance and Marriage
It seems I am going to marry in order to extend health insurance benefits to friend/caretaker.
__________________
"Knowin' no one nowhere's gonna miss us when we're gone..."
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12-02-2013, 10:10 AM
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#2
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Thinks s/he gets paid by the post
Join Date: Mar 2013
Location: Southern California
Posts: 3,995
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Hello Khan,
Are you just sharing information, looking for an opinion, hoping to discuss? I'm not sure we know how to respond to your posting.
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12-02-2013, 10:22 AM
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#3
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Gone but not forgotten
Join Date: Aug 2006
Posts: 6,924
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Input on pre-nup, will, letter of instruction? Someone with experience in such?
Any info on forming corporation/business as alternative to marriage?
__________________
"Knowin' no one nowhere's gonna miss us when we're gone..."
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12-02-2013, 10:38 AM
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#4
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Thinks s/he gets paid by the post
Join Date: May 2006
Location: Orlando
Posts: 2,638
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ACA won't cover him?
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12-02-2013, 11:14 AM
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#5
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Apr 2013
Posts: 11,078
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Quote:
Originally Posted by Khan
Input on pre-nup, will, letter of instruction? Someone with experience in such?
Any info on forming corporation/business as alternative to marriage?
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Only experience was a friend helped an English guy gain admittance to the US. She had told wife the types of questions they asked. Very personal information that only marriage could account for.
Not sure they did anything to protect assets, they were young, probably had nothing.
MRG
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12-02-2013, 12:15 PM
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#6
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Dec 2006
Location: Collin County, TX
Posts: 9,294
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Khan..I wish I could answer your questions, but I can not.
I know you are considering moving to Florida as you seem to like the area and you have someone there you care about. Instead of cohabitating...perhaps you could consider an assisted living facility near your friend. If there aren't any or are too expensive, perhaps you could rent a small apartment.
You could have a maid come in two or three times a week to clean and perhaps cook some meals for you to freeze.
__________________
There's no need to complicate, our time is short..
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12-02-2013, 12:39 PM
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#7
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Thinks s/he gets paid by the post
Join Date: May 2006
Location: Orlando
Posts: 2,638
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Quote:
Originally Posted by bbbamI
Khan..I wish I could answer your questions, but I can not.
I know you are considering moving to Florida as you seem to like the area and you have someone there you care about. Instead of cohabitating...perhaps you could consider an assisted living facility near your friend. If there aren't any or are too expensive, perhaps you could rent a small apartment.
You could have a maid come in two or three times a week to clean and perhaps cook some meals for you to freeze.
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I live in a 55+ apartment community west of Tampa that is part of a complex with elder living (you specify the level of service), assisted living, nursing care, memory care and rehab care. The spouse of one of the residents of our building was living in the nursing home a 5 minute walk away. It worked out great until she passed.
In our apartment community, people can pay to get their laundry done ($10 min/$1 lb), get housekeeping ($50 for 90 min, I think), and get dinner delivered every day from the kitchen that cooks for the expensive side! It's $11 per day, but cheaper if you sign up for the month. My 92 year old neighbor is still living independently in her own apartment because of these services.
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12-02-2013, 12:44 PM
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#8
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Dec 2006
Location: Collin County, TX
Posts: 9,294
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Quote:
Originally Posted by Buckeye
I live in a 55+ apartment community west of Tampa that is part of a complex with elder living (you specify the level of service), assisted living, nursing care, memory care and rehab care. The spouse of one of the residents of our building was living in the nursing home a 5 minute walk away. It worked out great until she passed.
In our apartment community, people can pay to get their laundry done ($10 min/$1 lb), get housekeeping ($50 for 90 min, I think), and get dinner delivered every day from the kitchen that cooks for the expensive side! It's $11 per day, but cheaper if you sign up for the month. My 92 year old neighbor is still living independently in her own apartment because of these services.
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Wow...that sounds great! Perhaps I should move to Florida...
__________________
There's no need to complicate, our time is short..
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12-02-2013, 01:29 PM
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#9
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Administrator
Join Date: Jan 2008
Location: Chicagoland
Posts: 40,581
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Quote:
Originally Posted by bbbamI
Wow...that sounds great! Perhaps I should move to Florida...
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Even with REWahoo's advisory, you may be better off stayiing put.
Quote:
Originally Posted by REWahoo
Time for a refresher: Texas is infested with scorpions, rattlesnakes, fire ants, crazy raspberry ants, cockroaches on steroids, killer bees, mosquitoes, ticks, chiggers, tarantulas, brown recluse spiders, love bugs, swarming crickets, copperheads, cottonmouths, rabid skunks, wild hogs, alligators, oppressive heat & humidity, bleak desolate scenery, dirty beaches, polluted air, dust storms, drought, wildfires, water shortages, recurring floods, tornadoes, hurricanes, rednecks, huge piles of flaming mulch, spontaneously combusting playgrounds, roads hot as flowing lava, the stench of natural and unnatural gasses, amoebic meningitis lurking in area lakes, recurring ebola virus outbreaks, flesh eating bacteria, staggering homeowner insurance rates, unbelievably high property taxes, mandatory death sentences for DUI convictions, polygamous religious sects, and, lest we forget, doesn't look kindly towards Yankees (per Orchidflower).
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Most of that stuff is in Florida as weil, and in addition, we have sinkholes everywhere and a ginormous rodent population in Orlando.
Worst of all, we have snowbirds
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12-02-2013, 02:19 PM
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#10
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Administrator
Join Date: Jul 2005
Location: N. Yorkshire
Posts: 34,050
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Quote:
Originally Posted by MichaelB
Most of that stuff is in Florida as well, and in addition, we have sinkholes everywhere and a ginormous rodent population in Orlando.
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Is that how the locals refer to the tourists?
__________________
Retired in Jan, 2010 at 55, moved to England in May 2016
Enough private pension and SS income to cover all needs
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12-02-2013, 02:29 PM
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#11
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Thinks s/he gets paid by the post
Join Date: May 2006
Location: Orlando
Posts: 2,638
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Quote:
Originally Posted by Alan
Is that how the locals refer to the tourists?
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Only if they don't spend enough money to keep our economy booming!
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12-02-2013, 03:00 PM
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#12
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Thinks s/he gets paid by the post
Join Date: Mar 2009
Location: Pittsburgh, PA suburbs
Posts: 1,796
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Quote:
Originally Posted by Buckeye
I live in a 55+ apartment community west of Tampa that is part of a complex with elder living (you specify the level of service), assisted living, nursing care, memory care and rehab care. The spouse of one of the residents of our building was living in the nursing home a 5 minute walk away. It worked out great until she passed.
In our apartment community, people can pay to get their laundry done ($10 min/$1 lb), get housekeeping ($50 for 90 min, I think), and get dinner delivered every day from the kitchen that cooks for the expensive side! It's $11 per day, but cheaper if you sign up for the month. My 92 year old neighbor is still living independently in her own apartment because of these services.
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Yes, I second the sentiment that this sounds very good to me, too. Lots of these graduated-care communities around all over and I would definitely consider for myself if the need arose.
Very near me is a well-respected non-medical senior helper-type agency. I could see hiring them on a regular per diem basis for transportation to doctor's and housekeeping stuff if I would have a future need. My son could pay my bills online and keep an eye on my finances. He could also set up a nanny cam in the house to make sure no one is slapping me around.
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12-02-2013, 03:26 PM
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#13
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Dec 2006
Location: Collin County, TX
Posts: 9,294
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Quote:
Originally Posted by MichaelB
Even with REWahoo's advisory, you may be better off stayiing put.
Most of that stuff is in Florida as weil, and in addition, we have sinkholes everywhere and a ginormous rodent population in Orlando.
Worst of all, we have snowbirds
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Hmmm...on second thought, you may be right. Perhaps I need a maid...and a pool boy.
__________________
There's no need to complicate, our time is short..
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12-02-2013, 03:43 PM
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#14
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: May 2005
Location: Lawn chair in Texas
Posts: 14,183
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__________________
Have Funds, Will Retire
...not doing anything of true substance...
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12-02-2013, 03:50 PM
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#16
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Aug 2011
Location: West of the Mississippi
Posts: 17,169
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Arkansas. Cheap, friendly, natural, and surprisingly modern.
__________________
Comparison is the thief of joy
The worst decisions are usually made in times of anger and impatience.
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12-03-2013, 08:48 AM
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#17
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: May 2009
Posts: 9,343
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Quote:
Originally Posted by Khan
It seems I am going to marry in order to extend health insurance benefits to friend/caretaker.
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Khan, that is my ace in the hole plan also.. My GF has a gold plated plan with subsidized spouse benefit. Less than $200 a month with a couple hundred deductible max. I currently have a HD plan as I have no medical needs. But if Obamacare keeps rising, I will run to the alter. I have already bought her a very nice diamond ring than can easily be switched over to the other finger with no additional cost. Oh and yes like you, it's already been discussed with the partner.
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12-03-2013, 11:10 AM
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#18
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Gone but not forgotten
Join Date: Jan 2007
Location: Sarasota,fl.
Posts: 11,447
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Khan ,
According to the federal government you can not add spouses after retirement .
<LI style="MARGIN-LEFT: 0.5in"> the non-employee spouse has been covered as a family member in any FEHB plan for the 5 years of the federal employee’s service immediately before the date the annuity starts, or for the full period of service since the spouse’s first opportunity to enroll (if less than 5 years).See http://www.opm.gov/healthcare-insurance/healthcare/reference-materials/reference/annuitants-and-compensationers/.the rules for federal government insurance for
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