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"I&amp;#039;ve been doing some research into getting proper insurance coverage for myself post-divorce, and that also includes making sure that Peter has us covered as well. For one thing, I know he changed the beneficiary arrangement on his life insurance, splitting the amount 50/50 between me and the kids. I&amp;#039;m sure that&amp;#039;s just his way of looking out for them long-term if something should happen to him - helping to pay for college or trade school, but that leaves me with half as much to try and pay the mortgage off with. Not a good scenario. I&amp;#039;ve decided that I need him to either get another policy, or up the current one to enable me to pay the mortgage off if something happens to him. I can&amp;#039;t make these payments without his contribution, and I&amp;#039;ll need that contribution for a good, long while. I would carry the same coverage, of course, so he isn&amp;#039;t saddled with the house should something happen to me. We also both need to be sure our policies cover David&amp;#039;s long-term care, if it turns out he needs it. As it stands now, it could be a real possibility that he won&amp;#039;t be able to live unassisted in some fashion. Having a disabled child means you&amp;#039;ve got to plan for every eventuality, and I don&amp;#039;t think Peter&amp;#039;s considered them all. Finally, we need to talk about health care coverage for the kids. I hadn&amp;#039;t even given it a thought, but I came across this article on Reuters about untangling your insurance policies after divorce. Right now, I cover myself and both kids because my insurance here at work has terrific coverage and I can get it for a third of what Peter would have to pay through his company to cover the kids. It was a no-brainer. But what happens if I get layed off? And what if my new company has lousy benefits that cost five times as much? I need to make sure it&amp;#039;s spelled out in the divorce decree that he has to find a way to contribute or cover the kids in that eventuality. There&amp;#039;s just so much to detail. UGH. It&amp;#039;s like a long, endless test that I keep finding trick questions on. I&amp;#039;m second-guessing myself a lot and wondering what I&amp;#039;m missing all the time. What sort of insurance changes did you make - or have your ex make - when you split up? I&amp;#039;d love some advice! "^^<http://www.w3.org/2001/XMLSchema#string>
<http://www.womansday.com/relationships/dating-marriage/a47342/divorce-insurance-needs/>