For ROC, what does joint insurance mean?

[chikaka 4]

 

I am planning to apply for ROC by myself because I am getting  a divorce from my spouse.

I've been collecting documents to prove our bona-fide marriage, and I would like to ask what the difference is between joint insurance and one person's insurance with the other person as the beneficiary. I have seen both descriptions and I don't know if they are the same or different.

 

My spouse and I both worked, but my spouse didn't have insurance from the company worked for, but I have from my job. I have life, vision, dental, and health insurance from my company, and I have added my spouse as the beneficiary for all these insurances.. I am going to submit this as a proof of bona fide marriage, but is this the same as joint insurance?

 

Or does joint insurance mean both parties have an insurance and they list each other as the beneficiary?

If that's the case, are all my insurances with my spouse as the beneficiary considered "weak" proof? because my spouse doesn't have insurance and I am not the beneficiary of it. That is to say, it looks like it is one-sided from me to my spouse. 

 

Or does it still serve as a strong evidence? 

Btw, if you can get a chance, it would be greatly appreciated if you could take a look at my previous post and tell me whether I have enough evidence to show that our marriage was bona-fide.

Thank you very much.

Edited January 3, 2019 by chikaka

[Thegirl 225]

Neither is better than the other. Most people have insurance where one person is the primary and the other is beneficiary. Pretty much everybody who had insurance from their jobs is that way. Joint is if they probably got it from the market place together. Doesn't matter which you have.  

[AlluringSoul 185]

'My spouse and I both worked, but my spouse didn't have insurance from the company worked for, but I have from my job. I have life, vision, dental, and health insurance from my company, and I have added my spouse as the beneficiary for all these insurances.. I am going to submit this as a proof of bona fide marriage, but is this the same as joint insurance?'

 

Don't worry about whether it says joint or beneficiary. Just get a reference letter from the insurance company (call them up and ask to send it to you) showing that your spouse was beneficiary on your insurance. That is sufficient. You can add any bills/invoices to that as well.

[H-M 169]

On 1/3/2019 at 10:57 AM, chikaka said:

 

I am planning to apply for ROC by myself because I am getting  a divorce from my spouse.

I've been collecting documents to prove our bona-fide marriage, and I would like to ask what the difference is between joint insurance and one person's insurance with the other person as the beneficiary. I have seen both descriptions and I don't know if they are the same or different.

 

My spouse and I both worked, but my spouse didn't have insurance from the company worked for, but I have from my job. I have life, vision, dental, and health insurance from my company, and I have added my spouse as the beneficiary for all these insurances.. I am going to submit this as a proof of bona fide marriage, but is this the same as joint insurance?

 

Or does joint insurance mean both parties have an insurance and they list each other as the beneficiary?

If that's the case, are all my insurances with my spouse as the beneficiary considered "weak" proof? because my spouse doesn't have insurance and I am not the beneficiary of it. That is to say, it looks like it is one-sided from me to my spouse. 

 

Or does it still serve as a strong evidence? 

Btw, if you can get a chance, it would be greatly appreciated if you could take a look at my previous post and tell me whether I have enough evidence to show that our marriage was bona-fide.

Thank you very much.

 

Short answer to your question: Joint insurance is any policy that covers you and your spouse as the insured (may also be referred as covered members) under the same policy.

 

Long answer: If you had your company provided health, dental and vision insurance that covered both you and your spouse, this would be considered as a joint insurance. Typically you can go to the online portal for the insurance provider or call them, to get a proof of coverage document that will list all the covered persons (you and your spouse).

Another example for joint insurance would be Auto & Renter's/homeowner's insurances that would list both you and your spouse as the insured/covered persons under the same policy. You can show insurance id cards or insurance declaration pages listing both names.

 

Beneficiary is someone who receives the insurance proceeds upon the death of the insured person. This usually applicable to Life insurances, 401(k) plans, savings account. So for example, your life insurance policy would only cover you and your spouse would be the beneficiary in case somethings happens to you. Same for your 401k account which would be under your name and would list your spouse as the beneficiary. For this, you can show the beneficiary page for your life insurance policy/401k plan listing your spouse as the sole (100%) beneficiary.

Also, if your spouse has life insurance/401k plan, her policy beneficiaries should show your name. (Looks like this is not an option for OP)

 

Hope this helps!

Edited January 9, 2019 by H-M

[egroeg 66]

On 1/3/2019 at 9:57 AM, chikaka said:

 

I am planning to apply for ROC by myself because I am getting  a divorce from my spouse.

I've been collecting documents to prove our bona-fide marriage, and I would like to ask what the difference is between joint insurance and one person's insurance with the other person as the beneficiary. I have seen both descriptions and I don't know if they are the same or different.

 

My spouse and I both worked, but my spouse didn't have insurance from the company worked for, but I have from my job. I have life, vision, dental, and health insurance from my company, and I have added my spouse as the beneficiary for all these insurances.. I am going to submit this as a proof of bona fide marriage, but is this the same as joint insurance?

 

Or does joint insurance mean both parties have an insurance and they list each other as the beneficiary?

If that's the case, are all my insurances with my spouse as the beneficiary considered "weak" proof? because my spouse doesn't have insurance and I am not the beneficiary of it. That is to say, it looks like it is one-sided from me to my spouse. 

 

Or does it still serve as a strong evidence? 

Btw, if you can get a chance, it would be greatly appreciated if you could take a look at my previous post and tell me whether I have enough evidence to show that our marriage was bona-fide.

Thank you very much.

What you just stated is health insurance that covers you and your spouse , that's great ! You can also include auto/home/renters/pet insurance that covers your home/vehicles/rental property or pets

[684117 15]

May I ask why would you want to prove a bonafide marriage if you are getting a divorce?  Just file it alone with a waiver? I don't think bonafide works in your favor now.

[Villanelle 4,122]

On 1/20/2019 at 2:19 AM, 684117 said:

May I ask why would you want to prove a bonafide marriage if you are getting a divorce?  Just file it alone with a waiver? I don't think bonafide works in your favor now.

With a divorce waiver you still have to show proof it was a bonafide marriage.