I can not believe what DH just did
Forums:
SD is 20. She has dropped out of college work 32 hours a week has a brand new car...... And when DH told her he thought it was time to emancipated her she said she didn't think it was right that BM had to pay for everything! He didn't push back.....wtf? She is now not a kid she is an ADULT.
And when he brings up insurance. She says with Obamacare she can remain on his insurance. NO SD you have insurance at your job and you ARE NOT a fulltime college student. DH says well until we are audited. No dh you have to reverify that your dependents are qualified every year.
You made adult decisshe says she can't live on her own in the style she wants. So what neither can I!
I have two bio kids 25 and 20
I have two bio kids 25 and 20 both are on their BF insurance. One just graduated and the othe will be turning 26. When the "adult" children turn 26 they need to go on their own insurance, whether they are a student or not. You also no longer need to verify if the child is a full or part time student.
But I agree with you. SD is an adult, flunked out of college, now it's time to hit the real world.
Actually DH insurance states
Actually DH insurance states that he can cover up until 26 unless they have a job that offers insurance. If they have a job with insurance he can no longer cover the dependent UNLESS the dependent is a full time college student. I had to drop SD off my insurance when she became employed because insurance was offered to her thru her job.
That is ridiculous. She is
That is ridiculous. She is an adult and NOT in college. And has a job. She should be paying for her own healthcare!!
At 32 hours, she is likely
At 32 hours, she is likely considered part time and not eligible for healthcare.
Maybe not through work, but
Maybe not through work, but there are individual plans. That is what I had to do after I graduated college & couldn't find a full-time job for nearly a year.
Sure...most private insurance
Sure...most private insurance would cost nearly what she made. I'm not saying it's not an option...just that the OP said something about her being covered through work and generally, if you work 32 hours, you are not eligible.
In my experience, when you pay for a family plan..the cost doesn't increase per individual..it's just a family plan amount. So if he has to have a family plan to cover wife or other kids, there is no out of pocket to keep 20bd on the plan as well.
Yea I agree, when I was
Yea I agree, when I was paying for an individual plan, it took a huge amount of my paycheck (especially if I ever had to go to the doctor!). BUT, if she choses to not go to school or work more...she has to live with the consequences, IMO.
She does have health
She does have health insurance offered to her. If she didn't we could keep her on both of our policies.
I covered skids as secondary as soon as obamacare took effect and my employer allowed me to add them. My husbands insurance is good but did not cover a doctors visit charge. When SD started working and denied her HC I dropped her as instructed ny my benefit rep. DH plans says he can continue the coverage as long as she was a fulltime student.
She has the ability to get employer provided insurance.
Why are we calling these
Why are we calling these adults kids? I mean, like, when I was 21 I already had a full-time job that didn't pay great but my biggest concern was having a job with healthcare...hmmmm...26 is NOT a kid...23 is NOT a kid...heck, 20 isn't a kid either...
I personally think 26 is too
I personally think 26 is too old to be relying on someone else's insurance. Hell, I was married and owned my own home by the time I was 26!! I certainly wasn't still on mommy and daddy's health insurance!!!
^^ I completely agree! I am
I think if you are a college student, it is reasonable for you to stay on parent's insurance.
But to OP, your skid made the choice to not be a student so now she has to be an adult and be responsible for her own medical insurance and everything else that comes with being an adult.
If she's not full time (40
If she's not full time (40 hours) and offered insurance through work, she can stay on your insurance until 26, right?
32 hours isn't fulltime where I live, idk where you live. If it isn't, could you just have her pay you some $$ to stay on your plan.
I'm 23. I am covered by insurance through my work, but also I am still on my moms insurance. It came in handy when I had some skin problems going on & hadn't met the deductable on my own insurance yet (only $100 but unplanned expenses still hurt) my moms insurance covered it. Doesn't matter that I'm employed, or married, or already covered.(it only costs her 5 bucks a month, she likes to have all her eligable kids double covered in case of an emergency).
"And when DH told her he
"And when DH told her he thought it was time to emancipated her she said she didn't think it was right that BM had to pay for everything! He didn't push back.....wtf? She is now not a kid she is an ADULT."
I'm laughing right now - because you all focussed on the healthcare part of it, but has no-one noticed this ADULT'S response to being told to start taking care of herself????
She doesn't think it's fair for BM to pay for everything.
OMFG - just shaking my head in wonder that she expects EITHER of her parents to still be supporting her ADULT arse!
My older dd's are stb24 and 21(end of July) They both work and they both have covered their own health insurance since starting work. With not a complaint or question - it's what you do - support yourself - when you grow up.
^^ Haha, this is so true!
SHE is the one who needs to support herself, not EITHER of her parents!
My MIL became a GRANDMOTHER
My MIL became a GRANDMOTHER at age 35. Just 3 years older than your SD! I agree, it's ridiculous. Maybe because my kids, as well as DH and I, were on our own at17, (My 2 oldest went to college @17 so did DH, my mom had my bags packed before I even took off my HS grad gown lol), but "failure to launch" just pisses me right off.
^^ I agree with you to an