Yes!!
Let's give Rob something to do!
Thxs Spiky, like I need one more thing to do...lol. Wow...Diana, I didn’t even think about that angle, great point. I live my whole life with a plan A, B, C etc, I always have an exit and try to anticipate failure, as a result, every once in a while, success happens along the way.
So, obviously, the easiest, safest plan would be to just keep my Wife on my Insurance for a couple years, to mitigate any potential complications. Costs for her insurance vs being added to mine are comparable, so that’s not the problem. But, here is where it takes a turn….actually, more of a twist.
My Wife and I have legal guardianship, conservators over our Granddaughter and are Grandparents raising our Granddaughter of 11, for the last 10 yrs. Though we have 100% full legal managing conservatorship over her, the Company I work for will not allow me to put her on my insurance because they have a clause that says that the “Birth Parents” have had to surrender their “Parental rights” in order for them to recognize her as a “Dependent”. Though we have 100% legal custodial conservatorship, we did not have them relinquish their parental rights 10 yrs ago, in the hopes that they would maybe someday grow up, which never happened. My Wife’s company does not have that requirement and she is on her insurance….so, If I switch my Wife for the WLS, I was only hoping it would be for 2015 because of the baby.
My only alternative may be to go out on the market and get a standalone policy for the lil one. Expecting the unexpected is why I asked you guys! Thxs SO MUCH for your time and expertise, it is so appreciated! And yes, Diana, I will try to get her exclusions and such, thxs.