Can an employer force you to keep insurance on dependent children if your ex has insurance on them but the insurance won't drop coverage unless there is a court order for the ex to cover them?
Your employer can not legally force you to insure anyone unless the employer is in possession of a court order that requires the employer to keep this coverage in place. Answer In going thru this issue before the HR department said that: There needs to be a "qualifying event" http://www.dmhc.ca.gov/library/faq/coverage/cal-cobra.asp#small to be able to drop coverage. However, qualifying event refers to GETTING or enrolling for coverage, NOT taking coverage off. The Blue Cross Manual says "Employees may be deleted from the plan due to termination of employment, ineligibility for coverage under the plan or when the employee does not wish to continue coverage regardless of his/her employment status and/or eligibility." Ask the Employer or Insurance Company to cite the law or their manual. It appears they are confused between getting coverage midyear and taking coverage off. CA Insurance Code 10700 et etc. applies to GETTING coverage - not taking it off at the employees request http://www.leginfo.ca.gov/cgi-bin/displaycode?section=ins&group=10001-11000&file=10700-10701 Answer For more information see www.SteveShorr.com/ic.10700.htm
38 people found this useful
Can an employer require you to show confirmation of medical coverage before you can drop your existing insurance?
Yes,The way this was explained to me by my companies H.R. Dept. was the fear the company has of being sued. Say you get a nasty divorce, separation or some thing along them lines and out of spite your husband or wife drops the family plan, then you or your child get injured and goes to the hospital …just to find out that you are no longer covered. Let's face it, if you can sue because you eat fast food and it made you fat or for spilling hot coffee in your lap this is not that far of a stretch. (MORE)
Can an employer force an employee to drop group health insurance coverage because the employee is eligible for coverage through his spouse's plan?
No. The employer cannot force you not to take the coverage. However, if you don't want you may have to sign a waiver.
No. But companies can usually get better rates and coverage in group insurance, than can an individual. A Different Opinion I am sorry but I disagree with both points in the answer above as absolutes. First, if the employer is paying 100% of the employeesï¿½ coverage then the company is leg…ally obligated to do so for ALL employees and the employee can not opt out. It would be considered discriminatory and a violation of federal law. Second, in many if not most cases group coverage is more expensive than individual coverage in states where individual coverage is underwritten and the insurance company can deny coverage due to medical reasons. Here is why. When an insurance company offers insurance to a group they must cover all employees. Statistically they know that some of those people are not in good health and will have significant claims. Since they can not discriminate in pricing among employees they charge all employees more to make up for those who will cost them a lot. Conversely if they can review medical history and refuse coverage to those who they have a reasonable expectation will cost them a lot of money they can offer coverage to healthy individuals at a lower price. For instance, some who is bipolar, has Type 1 diabetes, been diagnosed with Muscular Dystrophy or MS will be automatically declined in states where the carrier is allowed to do that. You could have any or all of these and get coverage from your employer. Some states do guarantee coverage to all so this rule would not apply there. Sorry, the second answer above is completely wrong. An employer can require that you show proof of coverage from another source if you want to decline their coverage, but they cannot FORCE you to accept their coverage. That is illegal, regardless of whether or not the company is paying any percentage of the coverage (including 100%). Group coverage is universally cheaper than individual coverage, except in extraordinarily weird corner cases, and such corner cases tend to be highly temporary. Pooled risk is why - even the super-healthy will pay less as part of a group plan, as the individual plan is unable to fully assess the actual risk the person poses. This sounds counter-intuitive, but the problem is that individual plans have to include the risk profile of everyone in that category, since they're only getting premiums from you. Essentially, while there is some ability to pool risk over all people buying individual insurance, the overhead for administering that type of insurance, combined with the inability to well-assess the actual health profile of an individual, means that individual plans will (on average) be significantly more expensive than group plans. But that's all irrelevant to this discussion, since ALL employer-sponsored plans will be group-type coverage. (MORE)
most people refer to full coverage as having the state required liability coverages as well as coverage on your vehicle, collision' and comprehensive coverages''.......there are many many coverages that you can elect to purchase, (ie accidental death, umpd,medpay, rental, tow, and etc)
How can an employer cover spouse and kids on health Insurance and then a year later say that the children are not covered because the other spouse has insurance coverage on the children?
Answer . \nOnly one company can pay out on the health insurance so it is a waste of money being insured twice, and also it will save you the tax you are paying on the premiums.
Yes. You only have to show "Insurable Interest" when the policy is taken out. What if there are children involved or spousal support to be paid?
Sure, once it is issued you can keep it. Especially if there are children involved, it might be a good idea.
If the life insurance is already in force and you are the owner you can keep it and she can do nothing about it. Any other scenario you would need her permission, ok, signature or what have you. Added: In many divorce-type situations it is a court ordered requirement of the divorce decree that a …life insurance policy on the life of the alimony/child support-payer be kept in force at all times. (MORE)
As from my experience most health insurance companies will provide coverage for unmarried children under age of 19 who are primary's applicant dependents.. A child will continue to be eligible until his/her 24 th birthday when attends college or has a permanent or continuing mental or physical imp…airment. (MORE)
It is exactly what it says. The EMPLOYER provides health insuance coverage if you desire to avail yourself of it. The employer MAY cover all of the cost, some of the cost or none of the cost. But, because you are part of a group insurance plan, the cost will generally be less than finding a policy o…n your own. (MORE)
A lot of this is determined by the law in your state (or the law in the state your policy is written in). Can you give a little more information?
if your full coverage includes comprehensive coverage then yes,Auto theft is covered under the comprehensive portion of your autoinsurance policy.
That totally depends on your policy. If it is a work benefit, it might not be possible, so check with your benefits administrator. If it is a private policy, you can probably keep paying it, but check with your insurance man to see if there is anything you need to do regarding the policy. Better to …check now than have a bad surprise later. (MORE)
What is the bnefit of having health insurance coverage with my employer if my husbands insurance covers me?
To see if there is any benefit, you will need to compare the policy. There may be network issue such as having particular doctors. Also, deductible differs. Prescription drugs coverage also are different. The best thing to do is to sit down with your insurance agent and compare it. Even if he/she do…esn't benefit from such commission, that should be one of the service they provide to you. (MORE)
Can you drop your health insurance coverage at anytime from your employer? Read more: http://wiki.answers.com/Q/Can_you_drop_your_health_insurance_coverage_at_anytime_from_your_employer#ixzz1d7yLrC9k .
Do you have to get ex COBRA after divorce if final papers state to only cover children on health insurance?
This is really a legal question for your divorce lawyer to answer. It depends on the actual wording of the divorce papers and how your lawyer structured the medical insurance coverage portion of the divorce.. Cobra is simply a (very expensive) continuation of an employer group plan when you lose yo…ur job that provides medical coverage until you get a new job or you get an individual health plan outside of an employer. (MORE)
Unless you have specialized insurance, it will not cover mechanical breakdown. If your transmission is damaged due to a collision, it is possible that it would be covered. If it simply failed you are probably not covered.
If you have insurance under hippaa and drop that insurance because your employer starts offering health insurance will you still qualify for hippaa coverage if you get laid off?
HIPAA is not insurance. HIPAA is the Heath Information Portability and Accountability Act passed by congress to protect persons Personal health Information (PHI).There is a clause in HIPAA that states you will receive a certificate of credible coverage for the months you had coverage to waive any pr…e-existing wait period a new policy may have.Other than that HIPAA only applies to the handling of PHI by insurance companies and third party entities whom work with insurance companies.If you are laid off of your job your employer MUST offer you continuation of the EXACT SAME coverage you had as an employee when you were actively employed. This was also an act passed by congress called COBRA (Consolidated Omnibus Reconciliation Act). The catch is that while you worked there you may have been paying.. say $40 a month for your insurance and your employer was paying the rest. Once you agree to continue your policy under COBRA .. YOU will be paying the ENTIRE premium. So if the premium was $200 when you worked then.. and you were paying $40 a month.. now youll b paying the entire $200. COBRA is only effective for 24 months after you term employment. You also have a limited amount of time to accept the COBRA offer.I hope this helps:)Evan (MORE)
You have to have an "insurable interest" to be eligible to take out life insurance on someone. If your ex's death will harm you money-wise (cause economic harm), you might be able to insure him/her: for example, if s/he is paying the mortgage. What does your divorce decree say? In any event, make su…re you tell your broker if you decide to get it. (MORE)
If you still have financial obligations together or rely on her for any kind of financial payments you should. It is not wrong to maintain the insurance on her if you choose.
If that's what the divorce decree says, then yes. A divorce decree can contain any provisions that aren't actually illegal. Beyond that, there must exist an "insurable interest" in order for one to insure the life of another. This can be based upon "love and affection" (which in this case probably… does not exist), or it can be based upon some financial relationship. Absent a demonstrable insurable interest, the insurer will not issue a policy. (MORE)
Can an employer deny health insurance coverage to an employee's children if through divorce the employee does not list them as dependents on his tax return?
Absolutely not! This is not legal. They are your children regardless of "who's turn it is" to claim them on taxes. I advise you explain this to HR and tell them that if not covered, you will have a lawyer contact them. . NOTE: As this is a "legal" question I suggest you contact the Insurance commis…sioner (or their title for your state) and have them provide you an answer for your situation, in your state. (MORE)
If an employer pays the premium on medical insurance and forces an employee to take that coverage is there anything the employee can do if they are covered under another plan?
Contact your human resource or personnel department people. If you have to self-pay for your health insurance coverage at your workplace you may be able to select not paying for it and decline the coverage. It depends on the insurance laws in your state and what is the policy at your workplace. If y…our employer pays for the insurance for you and you don't have to pay anything then why turn it down? Medical care is very expensive. And if you lose your job you may be able to continue that coverage until you have coverage from a new job. (MORE)
If a health insurance plan covers domestic partners does a employer that carries that insurance have the right to deny coverage?
A health insurance plan is designed based on what the employer wants. So if a plan says that domestic partners are covered then the employer group is the one that put that wording in the policy. So if an employer wont cover a domestic partner then domestic partners aren't covered company wide.
If you have a court order to cover a dependent child and you remarry can you legally put your dependent child on your new spouse's insurance?
I guess it depends on the insurance carrier? I think, most won't allow it. I, on the otherhand, can cover my stepchildren with my employment healthcare provider and union agreement.
There are quite a few things that homeowners insurance will not cover such as earthquake an flood. I have even heard of a insurance policy in Florida that excludes hurricane or wind coverage. Check with your agent to make sure.
What if your employer drops my insurance but i have insurance with wifes insurance would the cover me for health and medicine. insurance?
If you are currently covered on your wife's health Insurance as well you should be fine.
Yes - if the insurance company will allow it. Some medical insurance companies will not.
Can your ex employer bill me for medical insurance that wasn't deducted from my paycheck while employed by them?
Yes. When you receive a bill from your employer that would mean that they can bill you for the medical insurance while you were employed by them.
Of course, but it is advisable not to do that as she can have double cover. Need to check what kind of coverage your employer has given you. If its a floating family cover, in case you use up the full cover she can then opt to use her cover.
I have a 2003 Hyundai Elantra GLS Sedan with 81,000 miles on it. Because the value of it is fairly low ($2750 KBB avg. trade-in and $2,600 NADA avg. trade-in) I am considering dropping my full coverage. My premium is $304 every 6 months, with a $500 deductible. I got a quote for dropping full cove…rage. To maintain the legal requirements for liability insurance I would still have to pay $182 every 6 months. Progressive bases their totalled-out cars on Actual Cash Value, which I'm assuming to be similar to average trade-in for the books. What do you think? Is it worth it to drop it? (MORE)
Check with your specific insurance company but in general, no. If a licensed driver has permission to drive the car then the insuring company covers that driver. If your company has a specific policy against that, you need to know that. Many years ago, one company had a policy that identified a roo…mmate as part of the driver's household and wouldn't cover that driver. It is the policy that will tell you, or ask your insurance guy. (MORE)
Yes he can. There are three important factors about an insurance policy. The owner, the insured, and the beneficiary. He can be either the owner or the beneficiary if you signed off on it. I would check to see if you are either of those and if you are the owner then you can cancel the policy. If you… are the beneficiary then you would be fine. (MORE)
Yes, it can be covered in the divorce agreement, from what I have been told. Working in physician's offices, I've seen it on health insurance plans. Personally, I have also known women who are still covered under their ex-husband's health insurance as a part of their divorce agreement. Different ins…urances might have different rules, so you should always check with your insurance company first before doing anything else. (MORE)
yes. if its you who is paying, you may cancel at any time. if it is him, you can still cancel it if you have his credit card information. If it is him paying, i would let him keep paying forever and save you some money,
yes If you drop your insurance, your spouse's insurance would not be primary. It would be the only insurance you'd have. "Primary" only comes into play if you are covered by more than one policy. You should check carefully before dropping your own insurance. First of all, be sure your spouse can g…et family coverage through his employer. My employer only offers individual coverage because family coverage is so expensive. Second, if you both have family coverage, keep the policy with the best benefit-to-cost ratio. If your spouse's policy is cheap but has a high deductible, and yours is more expensive but has only fairly small co-pays, you may have reason to chose one over the other. Or, keep the insurance of the spouse whose job is most likely to still exist several years into the future. If I dropped my insurance I would ask my employer to increase my salary since benefits are part of your compensation, and dropping your insurance saves your employer a great deal of money. (MORE)
Forced placed insurance coverage is insurance that is put on your property without your control because you either don't have the insurance you are required to carry or the mortgage company has not received a satisfactory copy of the insurance declaration page. You are responsible for paying for thi…s coverage as they add it to you mortgage account balance. The forced placed coverage on covers the balance of the money owed on your mortgage and does not cover anything else like your contents are not covered, liability is not covered, etc. Only the banks interest is covered and the price is extremely high especially when you consider what they are actually covering. (MORE)
No.. get rid of him.. Think about yourself and save money. It is better to save than to spend. If you really want to, it is legal.
In any state, as soon as the divorce was legally final, the ex-wife does not qualify to be covered by the ex-husband's plan as a spouse. She could continue on the plan under COBRA for 36 months.
The best thing is to keep it simple. For instance, I pay my car insurance for the entire year with my tax return. If you pay monthly, make sure you have the money in your bank account the week it is due. You can have the company automatically withdraw it, write a check or obtain a money order (they …don't take cash). Mostly it is just a matter of planning ahead to have the money in the bank at the right time. (MORE)
Will your insurance be primary for your children even though your ex-husband provided insurance first and the decree states he has to provide the insurance?
Yes, it is possible that your insurance will pay before your ex-husband's no matter what the divorce decree states. Most insurers use what is called the "birthday rule". The plan of the parent whose birthday occurs first in the calendar year is considered the primary (or first) payer for the child…ren's needs. The other parent's plan pays second. You can talk to the plans about handling it differently. Or, you could consider dropping the children from your plan and banking the money you spent on premiums. It's expensive to cover the children on two plans. (MORE)
Either go to the HR department where you work or contact your insurance company directly. The company will need this in writing. Make sure there is no lapse in coverage.
You should only drop the physical damage part of your insurance if your vehicle is paid for in full and when you no longer would need help replacing or repairing the vehicle if a claim occurs. Also you could say that when the price of the physical damage coverage exceeds the benefit of replacing the… value of the vehicle. (MORE)
You cannot. In case of any claim after your divorce and the policy bond is in your possession, the claim will be summarily rejected by the insurance company. It's advisable to surrender the policy on your ex husband to the insurance company against official receipt.
Travelex is an online insurance company that offer life insurance, baggage loss insurance and cancellation insurance. Travelex service counters can be found at many airports also.
If your ex husband was ordered to keep insurance on your mutual child or children then he could be help in contempt of court if he did not cover them. A lawyer will be able to go over details of the case.
There are lots of reasons that dropping your health plan at anytime is unwise. But to answer your question: You can go for up tothree months without health insurance, and still not have to paythe penalty/ tax. You drop your health plan by stopping yourmonthly payments for it. If you are covered by a…n employer plan,you would notify your employer. The employer will have forms foryou to sign, and may ask you to verify that you have healthinsurance from another source. When you stop paying for your plan -- either at work or at home --your coverage will also stop. You pay for health insurance inadvance for the following month. So, if you don't pay the bill thatis due at the end of January, you won't have coverage in February. Keep in mind that you cannot pick up coverage whenever you want to.If you drop out, you cannot re-enter until the next openenrollment. Whatever medical bills you have while you are uninsuredare your responsibility. There is no such thing as back dating yourhealth insurance to cover your hospital bills that you had lastmonth. (MORE)
They can choose not to provide coverage for a spouse. US law states employers have to provide insurance for employee'schildren under the age of 26, but does not say anything aboutspouses, so they can choose to stop covering employee's spouses.
How do you get an ex boyfriend off my car insurance they are saying i can not unless i prove he has other insurance i don't know where he is and the last i heard he had a suspended license?
It seems that the insurance company thinks that you and he stillhave the same address. I doubt an insurance company would requiresomeone who does not reside at your address to be listed as aninsured on your policy simply because he was your boyfriend. Idon't know how to access DMV records, but priva…te investigators do.Hopefully the address on his driving record is no longer the sameas yours. (MORE)
Collision covers if you hit something or turn the vehicle over. Theexception is an animal collision which is covered by comprehensiveor (other than collision).