Justifying my Schedule J expenses

[rjmwx81]

Another day, another schedule J question.

As some of you may remember from previous posts, I don't currently have health/life/dental insurance, but am planning on adding them shortly after I file. I understand I can list these on Schedule J. My question is this: if the UST objects, is a price quote from the insurer going to be sufficient evidence for him, or will I need to have an actual bill? I'm filing in November, the plan is to get health ins. in December and the life and dental in January, so obviously I won't have an actual bill during the 60-day window when the UST can object. So, what do you think? If an objection comes up, is the price quote going to be enough?

[ccsjoe]

I asked the same question to my attorney since I did not have health insurance. His answer was as long as I had the obligation established prior to the 341. Obligation does not mean the bill itself but can be a copy of your signed application for insurance, along with your insurance card or acceptance letter detailing your monthly premium. As with anything, ymmv, and a lot of trustee discretion goes into this. Some are ok with you "planning" on getting it shortly thereafter. If UST gets involved though, I would assume you would have to prove the expense.