Cincinnati Full-Service Law Blog

As you prepare into enter into your divorce proceedings in Cincinnati, you mat begin to start to look more and more at what yours and your kids’ lives will be like once your marriage has officially ended. Many in your position (who were not the primary income earners in their marital homes) have come to us here at The Law Firm or Droder and Miller questioning what will happen once they are no longer available for coverage under their ex-spouses’ group health plans. If you are currently contemplating the same point, you will be happy to know that your current coverage can continue even after the end of your marriage. 

Per the U.S. Department of Labor, the Consolidated Omnibus Budget Reconciliation Act stipulates that people who had been covered under a group health plan can remain eligible for such coverage after having experienced a significant life event that affected their affiliations with the organizations sponsoring said plans. Per COBRA guidelines, divorce is considered to be such an event (indeed, under COBRA, you can remain covered under your ex-spouse’s plan for up to 36 months following your divorce). Your eligibility is based on whether your ex-spouse’s health plan qualifies for COBRA coverage (and it does as long as their employer is a private company employing more than 20 people or a state or local agency). You must also have been eligible for plan coverage the day prior to your divorce occurring. 

Even minor car accidents are stressful. This is especially true when fault is disputed or when multiple vehicles are involved in a single accident. In this case, it's important to take the proper steps to prevent the situation from becoming much worse. Taking the proper steps also helps you when making an accident claim after the dust has settled. 

First and foremost, you want to ensure that all involved are physically OK. If injuries are present, contact emergency medical personnel as soon as possible. If there are no injuries, determine whether you need to move your vehicle, if you're able. In most cases, it's best to leave your vehicle where it's stopped. However, if you're blocking traffic and increasing the risk of another accident, try to move your vehicle to a safe location. Whatever you do, do not leave the scene.

It's a sad fact of life that scam artists often target seniors for their perceived vulnerability. Additionally, some seniors are more likely to fall victim to these scams than others, which can cause financial effects as well as having a possible impact on a person's overall well-being. To ensure you can adequately protect your loved one, AARP provides the following advice. 

Many seniors lack a strong social network. Socialization is an important human need, one that many elderly people fulfill with friends and neighbors. While you would hope that these people have the best interests of your loved one in mind, this is not always the case. Check-in on your loved one frequently to ensure they receive healthy and stable socialization on a regular basis. You should also ask questions about your relative's acquaintances and friends if you're not fully aware of them. 

As a business owner, you have probably put a great amount of effort into the success of your business. However, have you considered how your business’s success could be impacted by your absence?

Without a succession plan in place, your business could struggle after your retirement or death. Without planning or clear direction, there may be no one with the skills needed to step into your shoes. Alternatively, there could be squabbles over who will replace you.