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Mental Health Issues and Divorce in New Hampshire

November 26, 2016 By Marianna Barbowski

close up of paper broken heart on white background

In an age of no-fault divorce, you don’t need reasons (grounds) to choose to divorce. You’re not required to prove that the person you’re divorcing did something that caused the end of your marriage. Many states, including New Hampshire, however, still allow fault-based divorces, where one or both spouses need to prove that the other is to blame for the failure of the marriage. Grounds for divorce can include adultery, extreme physical or mental cruelty, desertion, and substance abuse.

Mental health problems in either spouse or in both can place huge pressures on a marriage. When a mentally ill or “insane” spouse is involved in a divorce, New Hampshire law allows a court to appoint a guardian to represent the person’s interests. However, the person’s mental condition cannot be used as a way to delay or prevent the divorce process.

In many states, insanity and severe mental illness are accepted as grounds for divorce. While a spouse’s mental instability can support grounds of extreme cruelty in a fault divorce, in New Hampshire, severe mental illness (such as schizophrenia) is not considered grounds for divorce.

Mental health problems do, however, figure in a New Hampshire court’s consideration of child custody and visitation. If a court concludes that a parent’s mental illness is so severe that it would endanger the child to be alone with the parent, it can order supervised visitation, that is, contact only in the presence of a third party. When a parent’s mental illness is very severe and ongoing, a court can determine that the parent is unfit, and can terminate parental rights, but only if it’s proven necessary beyond a reasonable doubt.

Mental illness can also affect alimony (spousal support) and the division of property. The needs of the mentally ill spouse who is unable to be employed may be a reason to award a greater amount of alimony to that spouse.

According to Lisa Sandford, writing in the New Hampshire Bar’s Bar News, “Dealing with the complicated issues surrounding a divorce or child custody case is difficult for any litigant. But those who suffer from mental illness – in any form and to any degree – face the added challenge of overcoming the stigma attached to their illness so they can get a fair day in court.”

The seasoned family law and divorce lawyers at the McGrath Law Firm, founded by attorney Peter McGrath, will walk you through every step of the challenging divorce process to address your concerns and achieve your goals as efficiently as possible.  From spousal support, child support, fault, and equitable division of property and debt to valuations, pre-nuptial agreements, and restraining orders, the experienced attorneys at McGrath Law Firm have a successful track record in all aspects of divorce law. Call us to schedule your consultation at (800) 283-1380.

 

Filed Under: Legal Updates Tagged With: alimony, child custody, grounds for divorce, mental illness, mental instability, New Hampshire, spousal support, visitation

Women, Divorce and Insurance

October 24, 2016 By Marianna Barbowski

Worn out woman accounting

Women who are going through financially complex divorces are often in states of emotional distress and confusion about what the future may hold. If you are getting divorced from your spouse, you need to be sure to consult your attorney and the financial advisers who are working on your behalf. Your insurance policies are probably not uppermost in your mind. Your advisors will remind you, however, that insurance coverage for yourself and your children, if you have any, should not be overlooked in the final divorce agreement. It can be financially significant.

  • You can stay on your ex-husband’s health insurance using COBRA coverage, but COBRA lasts only 36 months. It’s a good idea to buy your own health insurance before it runs out.
  • If your ex is the higher earner and paying alimony and child support, these payments will end with his death. You would be wise to buy a life insurance policy on him in order to secure this important income. According to an adviser writing in Forbes, “If your husband refuses to cooperate in getting the required medical exam or if he is uninsurable due to health or other reasons, you need to know this before the divorce is finalized, so you can find an alternate way of securing your divorce settlement payments.”
  • Your ex’s social security is a form of insurance, and you can receive half of the payments if you are older than 62 and were married for more than 10 years. If your ex predeceases you, you are eligible for the entire benefit, as well as any of his children under the age of 18.
  • It’s a good idea for you to purchase disability insurance in case you become unable to work (or your ex, if you are relying on him for support). “If you are relying on employment income for yourself, or your ex-spouse for maintenance and/or child support, a disability policy can be essential should an employment income source no longer be available due to disability,” advises the Association of Divorce Financial Planners.
  • After one spouse moves out of the joint residence, that person is no longer covered for liability by her former homeowner’s or renter’s insurance. Be sure you are the “Named Insured,” and if you are not, you need to ensure that you are covered. When you purchase your own policy, you can reduce the cost by buying “replacement cost coverage” or increasing the amount of your deductible.
  • When you divorce, your vehicle is no longer covered by your ex’s car insurance. Be sure you have your own coverage. Women who have relied on their exes for taking care of their vehicle may want to be sure to purchase insurance for towing and roadside assistance.

The seasoned family law and divorce lawyers at the McGrath Law Firm, founded by attorney Peter McGrath, will walk you through every step of the challenging divorce process to address your concerns and achieve your goals as efficiently as possible.  From spousal support, child support, fault, and equitable division of property and debt to valuations, pre-nuptial agreements, and restraining orders, the experienced attorneys at McGrath Law Firm have a successful track record in all aspects of divorce law

Filed Under: Legal Updates Tagged With: alimony, child support, divorce, health insurance, homeowner’s insurance, life insurance, renter’s insurance, social security, vehicle insurance

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