My son in NC married a woman with a 22 year-old daughter who lives with them. The daughter does not have any medical insurance. If something happens to her, is my son and/or his wife (the mother) responsible to pay her medical bills?
Only if a court order is in place dictating as much. A 22 year old is pretty much considered an adult in just about every jurisdiction and therefore liable for her own bills and upkeep.
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The 22 year old daughter is responsible for her own medical bills. She is an adult in the eyes of the law. The exception, of course, is if your son or his wife have taken legal guardianship over her due to incapacity. In that case, they may be held responsible for arranging her medical care.
The answers I give here are not meant to create an attorney client relationship. I do not intend by my advice to enter an attorney client relationship and in most cases advise individuals to obtain legal representation. I do represent people from Avvo if they contact me, but only in Arizona and only after a written letter of representation is agreed upon.
In North Carolina when a person reaches the age of 18 they are not longer considered a minor child under the law. Sometimes there is an order by the court order a parenting agreement stating that one parent shall cover the person under their insurance until an age beyond 18. This can be the case when the parenting agreement contemplates the child going to college and will need coverage. In this case where the your son has married then each adult is responsible for their own coverage. There has been occasions where healthcare providers has tried to come after the spouse for unpaid medical bills of the other spouse under the assumption that a spouse has the responsibility to provide for the needs of the other spouse.
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