Some Massachusetts residents who are getting a divorce may need to find a new health insurance plan if they are covered on a spouse’s employer-sponsored policy. COBRA is one option that can extend the coverage for up to three years, but it can also be expensive since the person will have to start paying the employer’s share. It is also not a long-term solution.

Life insurance might be the other important plan to have in a divorce. One spouse might be required to pay alimony to the other spouse. If the payer dies, this could cause significant hardship for the recipient. A life insurance policy on the payer could help out in this regard. The recipient could purchase the policy and pay the premiums to ensure it does not lapse.

A divorce agreement may specify that life insurance will be purchased. However, this should be done before the agreement is finalized in case the proposed payer turns out to be uninsurable. If this happens, the couple can then modify the agreement with another arrangement.

People who are concerned about spousal support, insurance, property division, or other elements of a divorce might want to contact Middlesex County, Massachusetts family law attorneys. Consultations may help people understand their rights and what to expect throughout the process. Divorce does not always mean litigation, and some couples may save time and money by negotiating an agreement. This can also give them more control over the final outcome than they might have if they went to court. Dividing property can mean taking a number of additional steps in addition to dealing with insurance. For example, if one person keeps the home, the mortgage may need to be refinanced so the other party is no longer financially responsible.