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How the Affordable Care Act Affects Divorce
On Oct. 1, 2013, Americans without health insurance were for the first time able to buy private insurance by choosing among different levels of plans through the Patient Protection and Affordable Care Act, sometimes referred to as Obamacare. Specifically, beginning Jan. 1, 2014, people with pre-existing health conditions will not be denied coverage as health insurance providers will no longer be permitted to refuse to insure an individual or even to charge insureds with pre-existing conditions higher premiums for health insurance coverage. How do these radical changes to health care law in the United States affect its citizens who are currently going through the divorce process or are recently divorced?
Women and Health Insurance
According to a study from 2012 done by the University of Michigan, approximately 115,000 women lose their private health insurance each year as a result of divorce. The study also found that most do not get health insurance quickly thereafter for a number of reasons. It is believed that as many as one-quarter of all divorcing women who are no longer covered by their former husbands' health coverage may remain without insurance for at least six months. Many of these women who are not getting insurance did not have jobs outside the home, or work at positions where health insurance is not offered. Others are able to get continuing coverage through COBRA plans offered by their ex-spouses' employers, but often cannot afford the cost, and the duration of this coverage is limited, sometimes only for 36 months.
Major Differences In UK, U.S. Copyright Laws
This article highlights how copyright law in the United Kingdom differs from U.S. copyright law, and points out differences that may be crucial to entertainment and media businesses familiar with U.S law that are interested in operating in the United Kingdom or under UK law. The article also briefly addresses contrasts in UK and U.S. trademark law.
The Article 8 Opt In
The Article 8 opt-in election adds an additional layer of complexity to the already labyrinthine rules governing perfection of security interests under the UCC. A lender that is unaware of the nuances created by the opt in (may find its security interest vulnerable to being primed by another party that has taken steps to perfect in a superior manner under the circumstances.
Strategy vs. Tactics: Two Sides of a Difficult Coin
With each successive large-scale cyber attack, it is slowly becoming clear that ransomware attacks are targeting the critical infrastructure of the most powerful country on the planet. Understanding the strategy, and tactics of our opponents, as well as the strategy and the tactics we implement as a response are vital to victory.
Legal Possession: What Does It Mean?
Possession of real property is a matter of physical fact. Having the right or legal entitlement to possession is not "possession," possession is "the fact of having or holding property in one's power." That power means having physical dominion and control over the property.
The Stranger to the Deed Rule
In 1987, a unanimous Court of Appeals reaffirmed the vitality of the "stranger to the deed" rule, which holds that if a grantor executes a deed to a grantee purporting to create an easement in a third party, the easement is invalid. Daniello v. Wagner, decided by the Second Department on November 29th, makes it clear that not all grantors (or their lawyers) have received the Court of Appeals' message, suggesting that the rule needs re-examination.