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Advice

squinnettesquinnette member
First Comment
in Wisconsin

My fiance found out earlier this week we was getting laid off and he will be out of work July 1st. I don't think he'll have a hard time finding a job because he works with computers and he's such a hard worker. The company just elimated his specific job. For insurance reasons, I was thinking maybe we should just elope so I can add him to my insurance but still in  have party in October. But in my heart I want to have our wedding in October and the people we're inviting to be there with us. The wedding is pretty much paid for just a few things outstanding still. What should I do? Wait until closer to July if he doesn't find anything. Their are so many things running through my head....

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Re: Advice

  • pengy_wipengy_wi member
    100 Comments
    edited December 2011
    Does he have health issues that would make this important? Can he do COBRA? Obviously it sucks not having insurance but the gap isn't too long. I think if it was me I'd just wait it out since I'm reasonably healthy, but if it was my FI losing his job it would be different since he has a heart condition.
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  • debbies44debbies44
    500 Comments
    edited December 2011
    How old is he?  Would he be able to be covered under his parents with the new health insurance bill? 

    If not, I'd agree with pp, if he's healthy, it would probably be fine be fine for the 4 months.  Also, some places the health insurance doesn't always end when the job ends...so maybe find out the last day of his coverage and then make a decision? 

    I think if you were to change wedding plans now you might actually lose money by letting deposits go, which would be worse in this situation.  Maybe if he needs your insurance you could elope at the courthouse with your parents and siblings or something and then have another ceremony with your friends and extended family just recommitting in front of family and friends?  Then you could still have what you want while also covering your FI.
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  • beckster5551beckster5551
    1000 Comments
    edited December 2011
    I understand the whole getting married for insurance thing. I find out next week when I will be getting laid off. My FI and I have talked about getting married sooner so I could get on his insurance but we found how much it would be to add me and COBRA will work out better for the short term. I would wait and see if he finds a job. Like PP said, October really isn't that far away. I know that some insurance companies let you fill up to three months of meds at a time, if he takes any medication just get the 3 month refill at the end of June. GL and I hope he finds a job soon!
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  • squinnettesquinnette member
    First Comment
    edited December 2011
    He's 32 almost 33. He does have asthma and allergies but that's the only thing. I was thinking of just stocking up on meds and getting his doctor visits in so we won't have to worry about that. Thanks for the advice!!
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  • jenylin1010jenylin1010
    10 Comments
    edited December 2011
    Instead of COBRA insurance which can be expensive, why not look into other options like Anthem Blue Cross.  My fiance also lost his job last summer, and he now has a plan under Anthem that only costs like $80 a month.  It is just basic coverage, but it works for him until I can get him under my insurance.  I would hate to see you give up on your dream wedding (especially if it is already mostly paid for)!

    P.S. My fiance also works in computers, and was laid off because they eliminated his position.  We thought it would be easy to find another job because, hey, everyone uses computers, right?  But he has been unemployed since August.  I'm not sure specifically what your fiance does, but apparently the IT field is very saturated right now. 
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