Legal Question in Family Law in New York
debts after death of spouse
My sister married a man with cancer one year ago. He now has terminal cancer and wants treatment from a clinic in Texas that does not take insurance. Charges are very great for treatment, in the $100,000's range. She has saved and worked hard to accumulate a nice nest egg, an RV and a nice house. She has some money in stocks. Will she be responsible for his debts after he dies? What should she do to avoid going bankrupt and losing all of her financial security and house? The house is paid for.
1 Answer from Attorneys
Re: debts after death of spouse
Unfortunately, the answer is YES.
As his wife, she can and is likely to be held liable for all of his "necessary" costs and expenses. And, Health care costs and expenses are usually deemed "necessaries."
Although, your friend's assets may be considered "separate Property" rather than marital property. Texas, NJ and several States, Other than NY, tend to seek reimbursement directly from the spouse for "necessaries;" under a "better or worse" theory, that a spouse by vow, is responsible for meeting the other spouse's "Needs."
But, please note, there are some property exemptions, in Texas, such as the homestead exemption, among others, that may apply, in this matter, for purposes of protecting your friends assets.
Also, she may never need to be identified as the spouse or responsible party, for her husband. Or, there may be an affirmative Waiver of responsibility that the health care providers recognize That would be helpful. Especially if the parties never filed or listed there names as spouses on any legal document.... like tax returns, leases, and so forth; and there is proof that parties NEVER (A PRENUP?) planned to depend upon the other for support.
Good luck,
Phroska L. McAlister,ESQ