This Day On The Street
Continue to site right-arrow
This account is pending registration confirmation. Please click on the link within the confirmation email previously sent you to complete registration.
Need a new registration confirmation email? Click here
Stocks Under $10 with 50-100% upside potential - 14 days FREE!

Cheaters, Liars And Exes . . . Who Still Love Your Insurance

While some folks are getting lovestruck by Cupid's arrows on Valentine's Day, others are feeling the stings from exes and cheating lovers.

Along with the pain of broken promises can come serious problems with the least romantic subject of all: insurance.

Here are five top questions from our readers.

1. I'm pregnant by a man who's not my husband. Will I be able to add the baby to my husband's employer-sponsored health plan?

In most cases, the answer is no, says Bruce Borgos, senior director of human resource audit services at Secova, an employee benefits and human resource services firm headquartered in Newport Beach, Calif. For the baby to qualify for coverage under your husband's plan, your husband would have to show he has legal custody of the child.

Typically employer health plans that extend coverage to dependents do allow stepchildren on their plans.

2. I had an affair and got another woman who's not my wife pregnant. Can I put her on my health insurance plan?

"Not legitimately," Borgos says. "We've had a few cases in the past where we've uncovered these types of situations."

In those instances, the fathers listed the girlfriends as their daughters on the health plans, unbeknownst to their wives. Borgos says.

It's not a good idea to try to sneak someone onto your health plan who isn't actually eligible to receive coverage. Amid rising health care costs, employers hire firms like Secova to conduct dependent eligibility audits. Many employers require employees to produce documentation, such as tax returns, marriage certificates and birth certificates, to prove the relationships that qualify dependents for coverage. Secova sifts through the information for clients to determine who does and doesn't belong on their health plans.

"More and more it's the really complicated relationships we have to unravel," says Chirayu Patel, Secova's vice president of client development.

1 of 3

Select the service that is right for you!

Action Alerts PLUS
Try it NOW

Jim Cramer and Stephanie Link actively manage a real portfolio and reveal their money management tactics while giving advanced notice before every trade.

Product Features:
  • $2.5+ million portfolio
  • Large-cap and dividend focus
  • Intraday trade alerts from Cramer
  • Weekly roundups
TheStreet Quant Ratings
Try it NOW
Only $49.95/yr

Access the tool that DOMINATES the Russell 2000 and the S&P 500.

Product Features:
  • Buy, hold, or sell recommendations for over 4,300 stocks
  • Unlimited research reports on your favorite stocks
  • A custom stock screener
  • Upgrade/downgrade alerts
Stocks Under $10
Try it NOW

David Peltier, uncovers low dollar stocks with extraordinary upside potential that are flying under Wall Street's radar.

Product Features:
  • Model portfolio
  • Stocks trading below $10
  • Intraday trade alerts
  • Weekly roundups
Dividend Stock Advisor
Try it NOW

Jim Cramer's protege, David Peltier, identifies the best of breed dividend stocks that will pay a reliable AND significant income stream.

Product Features:
  • Diversified model portfolio of dividend stocks
  • Alerts when market news affect the portfolio
  • Bi-weekly updates with exact steps to take - BUY, HOLD, SELL
Real Money Pro
Try it NOW

All of Real Money, plus 15 more of Wall Street's sharpest minds delivering actionable trading ideas, a comprehensive look at the market, and fundamental and technical analysis.

Product Features:
  • Real Money + Doug Kass Plus 15 more Wall Street Pros
  • Intraday commentary & news
  • Ultra-actionable trading ideas
Options Profits
Try it NOW

Our options trading pros provide daily market commentary and over 100 monthly option trading ideas and strategies to help you become a well-seasoned trader.

Product Features:
  • 100+ monthly options trading ideas
  • Actionable options commentary & news
  • Real-time trading community
  • Options TV
To begin commenting right away, you can log in below using your Disqus, Facebook, Twitter, OpenID or Yahoo login credentials. Alternatively, you can post a comment as a "guest" just by entering an email address. Your use of the commenting tool is subject to multiple terms of service/use and privacy policies - see here for more details.
Submit an article to us!


DOW 18,030.21 +6.04 0.03%
S&P 500 2,081.88 -0.29 -0.01%
NASDAQ 4,773.4720 +8.0480 0.17%

Brokerage Partners

Rates from

  • Mortgage
  • Credit Cards
  • Auto

Free Newsletters from TheStreet

My Subscriptions:

After the Bell

Before the Bell

Booyah! Newsletter

Midday Bell

TheStreet Top 10 Stories

Winners & Losers

Register for Newsletters
Top Rated Stocks Top Rated Funds Top Rated ETFs