You can refinance without the spouse but you will need their consent to do so. If the spouse is on the title of the home, the answer is "no". If the spouse is on the existing mortgage the answer is "no". If the spouse is not on title you need to indicate on the loan application that you are married, and if you don't is fraud. At the time of closing she/he would have to be present. Inform you spouse of your actions.
They may ask for proof that you are married but otherwise they shouldn't. Not that they won't try.
While there might be a state law somewhere that allows it, I would be surprised. A separation does not remove the duty of each spouse to support the other. If the employee has the insurance befre the separation, he will have to keep it until a divorce, remarriage after divorce, she obtains her own insurance or a court orders otherwise.
No, pregnancy does not make one an adult. She will still require the permission of her parents or a court order. Even to drop out of school would require permission from the parents.
I believe you are both responsible for any bills incurred (such as health care costs) until you are divorced, so in some cases it would behoove a spouse to keep coverage on the other spouse so that they don't end up responsible for a large bill in the case of an accident or serious illness. However, if there is a separation agreement with a clause about neither party being responsible for any debts incurred after the signing of the agreement, one may be able to drop their spouse from insurance without issue.
Unfortunately, even in Texas, if one of the two spouses wants a divorce they have a right to get that divorce and nothing can stop it. If one wants to drop the divorce then they will need to 'nonsuit it.' This means that the person who filed the original petition for divorce will need to file a 'motion to nonsuit.'
Usually divorce (to drop the other party) or marriage. Otherwise you may have to wait until open enrollment to drop. If you want to add yourself to your spouse or partner's coverage check first but you may be able to do that when you drop rather than have to do it during his or her open enrollment period. Again, check first before you do anything.
It is a "quit claim deed" that you have to obtain and you have to refinance to drop the other name. It is a "quit claim deed" that you have to obtain and you have to refinance to drop the other name. It is a "quit claim deed" that you have to obtain and you have to refinance to drop the other name. It is a "quit claim deed" that you have to obtain and you have to refinance to drop the other name.
One drop.
the first way to do this is to obtain COBRA coverage. When your divorce became final, your ex-spouse was able to drop your coverage. Federal law is that all insureds can continue coverage with COBRA. Your insurance company or ex-spouse's employer should have sent you paperwork explaining what your rights are. But be aware, with COBRA, you are paying the full premium for the continued coverage.
You can but it is unwise because you need to know when you would be covered by the spouse's health plan. Some plans have 3 and 6 monthj waiting periods. So it is wise to keep your insurance, sign up on the spouse's insurance then later on after you have your new coverage in effect you could drop your employer's plan. Some employers however "require" their employees to be covered or are paying for the coverage. Check with your employer about that. Some employers will also refuse to cover you again if you lose your husband's coverage. If the marriage is not is good shape it is a foolish to drop your own coverage in case there is a divorce. Sorry to mention it but is true.
In the US, you have options for what you would like for your name to be after marriage. You may keep your name as given, you may drop you current last name and take your spouse's, you may drop your middle name, move your maiden to middle and take your spouse's last, you may tack the new last name to the end and have 4 names, you may hyphenate, you may merge your current and your spouse's name to form a new last, etc.