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Health Insurance, Alimony & Narcissists (Ask the Attorney Anything Livestream) - YouTube
Channel: Rebecca Zung
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Hello, hello, hello, and welcome to my live
stream, Ask the Attorney Anything.
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I see lots of you already here, getting ready
to ask me lots of questions so I'm super excited
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and always thrilled to meet with you and be
able to connect with you on a live basis,
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on a personal basis, and answer your questions
here on these live streams.
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I see I already have lots and lots of questions,
which is pretty awesome.
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What I would love to know is where you are
all tuning in from.
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It's super incredible to me that narcissists
know no bounds.
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They are everywhere, and our community of
subscribers here on my channel and in my Facebook
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group are … We are literally from all over
the world, from all over the world.
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There's some countries that I've even had
to look up to see where everyone is from.
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So if you haven't subscribed to my channel,
take the time to do that right now and hit
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that notification bell and also come and join
us in the free private Facebook group called
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Narcissists Negotiators with Rebecca Zung
so that you can be connected, get information,
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get knowledge, and everything that you need
to help empower you in this situation that
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you're dealing with, with that narcissist
in your life.
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So I see … Hello to Lucy from Arizona, and
Amanda from New York City, and Elizabeth from
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Washington.
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I see all about nutrition, is from England,
Stratford Upon Avon.
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I've actually been there long ago.
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That's where William Shakespeare's house is.
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I see people from Louisiana and Georgia.
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So I'm really, really happy to be here with
you and answer your questions.
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I'm going to start by answering a question
from, let's see, from Lucy who says, "I have
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a question.
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I'm in my 60s.
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I've become financially dependent on a covert
husband.
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He's still working with health insurance that
covers medication I need.
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It's not covered by Medicare.
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What will happen if I pursue divorce?"
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So, Lucy, the first thing I need to say while
I'm on this call is that I am licensed as
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an attorney in Florida, but when I do these
calls, I can give you general advice.
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This is not to be construed as legal advice
because I don't probably practice in your
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jurisdiction, and even if you were in Florida,
it wouldn't constitute attorney-client privilege
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and all that sort of thing.
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So this is general advice that I give you.
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I do encourage all of you, if you want specific
legal advice or even specific psychological
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advice, to seek out a psychologist or an attorney
in your area.
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Okay, so now that I've said that, let me answer
your question.
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So anything with regard to health insurance
or uncovered medical insurance is really a
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support issue.
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So if you are eligible for support in your
area, sometimes it's called alimony, sometimes
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it's called spousal support, it will become
part of your claim for support.
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Normally, most insurance plans, health insurance
plans, don't allow for people to remain covered
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on that plan once they're no longer that person's
spouse or significant other.
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So you couldn't remain on that health insurance
anyway.
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The one thing I have seen some people do sometimes
is, if they own their own company and they
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do provide health insurance through that company,
they leave people on the company plan by having
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them be an employee in some way, or maybe
they even pay support through the company
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by saying that they're an employee.
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Now, I don't know what the ramifications are
of that as far as any tax problems or IRS
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problems with that.
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I've just seen people decide to do it that
way.
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I am not a tax lawyer.
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I am not a CPA.
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But, in general, the uncovered medicals including
uncovered medications, things like that are
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part of your support claim so if you have
a support claim, it will likely become part
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of the lifestyle analysis that is done as
part of the support claim.
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So you just add it as a line item in your
lifestyle analysis, just the same way that
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you would do for anything in a lifestyle analysis
including your rent, or mortgage, or taxes,
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or car insurance, or car payments, or dining
out, or food, electricity, utilities, things
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like that.
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That's all part of a lifestyle.
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So uncovered medical expenses and uncovered
medications, or even a health insurance premium
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would become part of that lifestyle claim.
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So, Lucy, I hope that answers your question.
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Let's see what other questions we have here.
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Let's see … Just reading your questions.
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Hello from West Michigan.
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Hello, Victor from West Michigan.
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So somebody is asking, "My husband cannot
work, injury on the job.
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I am starting my own business.
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If I'm making money from my business, and
divorce, can he get spousal support from me?"
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That is definitely … This is from Xavia.
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That is definitely a question to ask the attorney
in your particular state.
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Spousal support is something that is state
by state run.
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Some states do have guidelines around spousal
support.
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Remember, when you're dealing with spousal
support, it's going to be amount and duration.
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Those are the two things that will matter.
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Some states call like a shorter term, a bridge
the gap.
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Some states call a longer term, even permanent
alimony.
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Some also have durational alimony.
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But it really comes down to amount and duration
no matter who you're talking about, and they
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look at many different things when they're
looking at alimony.
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They can look at … Some states will look
at the disparity in incomes, whether one spouse
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has a need and the other spouse has more of
an ability to pay.
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Some states don't do it so much like that.
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They look more at guidelines.
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This is how much each spouse makes, this is
how long they've been married, so this is
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the spousal, this is the claim, this is the
amount.
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Some states have those guidelines as a starting
point and then they look more again at lifestyle
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and things like that.
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So it really kind of depends on how your state
takes a look at alimony.
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I can just say, in general, if there's a great
disparity in incomes and one spouse has been
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supporting the other for a long period of
time, many years, then that generally increases
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the claim for spousal support wherever you
are.
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So let's see, I have time for a couple more
questions.
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Let's see where I can go.
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Let me take a look at a question.
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"Can I leave my retirement in a QDRO?"
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So let me just answer this question from Candy,
because a QDRO, or sometimes it's pronounced
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Q-DRO, it actually stands for qualified domestic
relations order.
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What that is, is actually a mechanism that
was developed by the Internal Revenue Service
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under the Internal Revenue Code to allow people
to divide a spousal or community property
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or marital property, retirement account that
is under the management of a third-party,
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so it's usually a 401(k) or something like
that, not necessarily an IRA because you don't
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need a QDRO for an IRA.
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It allows that person to roll out their share
after the divorce of something that they received
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in the divorce settlement without having it
become a taxable event.
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Because normally when you roll out funds from
a retirement account, it immediately either
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is taxed and, depending on how old you are,
there's also penalties involved.
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So it allows you to take money out and put
it immediately into a rollover IRA without
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having it become a taxable event.
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So that's what a QDRO is, and that's what
you use it for in order to divide like a 401(k)
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or something like that.
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So I'm not … The way your asking that question
doesn't really 100% makes sense because you
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would leave it in that rollover IRA and, yeah,
you would still get your Social Security benefits.
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I mean, that wouldn't affect that, but, certainly,
talk to the Social Security Office if you
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have any questions about that.
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But it shouldn't affect that at all.
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They're two totally separate things.
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So Pam Tyson says, "Hello from Sacramento."
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I was actually born in Sacramento, but I only
spent like two weeks there and then ended
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up growing up in Northern Virginia, myself,
outside of DC.
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So, anyway, I am so grateful for all of you
and grateful to be able to come here every
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week and answer your questions.
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Set your alarms because at noon, Pacific Time,
every Tuesday, right here I am answering your
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questions.
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And on noon on Thursdays, I've been doing
a Narcissism 101 series, but both of these
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are live streamed and I come to you, me, live,
real in person, and I answer your questions
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and have an opportunity to get to see all
of you and you get to see me.
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So I am extremely grateful to be able to help
all of you and help you get out of these relationships
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because I've dealt with a couple of covert
narcissists myself, and I know that they're
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hell and I know that you're in hell.
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The one thing I can tell you, as somebody
who's on the other side of these situations,
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is that you can get out.
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It is better on the other side.
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It does get worse before it gets better when
you're dealing with this and that's where
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I come in.
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That's what I'm here to do is help give you
strategies around negotiating with these high
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conflict personalities, so that you can understand
them, develop a strategy around them, develop
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leverage, and figure out a way to actually
exit these relationships and keep yourself
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and your dignity and your soul intact.
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So if you haven't subscribed, make sure you
subscribe to my channel.
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I am so glad that you were here.
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If you haven't downloaded my free Crush My
Negotiation Prep Worksheet, you can do that
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now.
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Just go to winmynegotiation.com and it will
be all yours.
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Also, come and join us in my free private
Facebook group.
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It's called Narcissists Negotiators with Rebecca
Zung.
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It's a huge community of amazing people who
are there supporting each other every single
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day.
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So if you haven't subscribed, do that now.
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Give us a like.
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Give it a share.
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Drop me a comment.
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I love to read the comments.
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So thank you so much for joining me today.
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I'm Rebecca Zung, I'll see you in the next
video.
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Remember, today's a great day to start negotiating
your best life.
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Thanks so much.
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