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Can an employer use the working spouse rule to force a self-employed spouse to get her own health insurance when the premiums would exceed her income?
Working Spouse Rule If both you and your spouse work for Vought Aircraft, one of you can opt out of medical and dental coverage and the other spouse can cover both of you. Or, each spouse can elect separate coverage. However, only one of you can cover your eligible dependents for medical and dental benefits. Both of you can cover eligible dependents for optional benefits, such as optional life.
If your spouse works for a company other than Vought Aircraft and has medical coverage available through that employer, Vought requires that your spouse enroll in that employer's medical plan if the employer pays 50% or more of the cost of the plan. Your spouse's plan becomes the "primary" payer, and your Vought coverage becomes your spouse's secondary insurance.
A change in your spouse's employment status (termination or beginning of employment, for example, or a significant change in insurance coverage) qualifies as a change in life status that allows you to change your benefit elections during the plan year.
for more info. see www.steveshorr.com/
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Answer If the company that you work for offers a health plan, but you need to pay for part of it. Then no, you do not have to sign up or pay for it. If your spous…es plan is cheaper, which in most cases they are not, look into it. I find that companies that require their employees to share in the cost of their health care, do it anyways because it's cheaper than their spouses. One company I know has their employees pay 50% of the cost, but it's still cheaper than most spouses. Watch out if you smoke, you might be put it another bracket by yourself and other that smoke. THIS IS ILLEGAL.
Can I choose not to use my primary insurance and use only my spouse plan for my doctor visits as I don't want my employer to see my health records?
Answer Usually no, the primary carrier will have to pay first. It is of course against the law for anyone to tell anyone else your medical information, or for an…yone that doesn't have to know, to have knowledge of your condition.
Does Starbucks offer health insurance for the SPOUSES of part time employees for an additional premium?
As a Starbucks part-time employee, the answer is yes. You need to fulfill an average of 20 hours a week to qualify and that is on a quarterly basis. The price for family benef…its is probably on par with what you'd pay at a full-time job. However, the insurance benefits are phenomenal. I work full-time for a company that is self-insured and sad to say it's benefits are lacking. I love coffee and needed dental and vision and decided to work pt at Starbucks evenings and weekends. --Diana M.
Can you drop your employers health insurance to enroll in your spouses insurance if it is not open enrollment in YOUR insurance in Oregon?
You can dump yours at any time as long as you can be added to your spouses at this time. Answer The way I read the "permitted election changes " rules, no. You… would have to wait for your open enrollment to cancel, which would be a qualifying event allowing your spouse to add you to his/her policy. To read the IRS guidelines use this link. http://mtnhealthinsurance.com/index.php?pageName=IRSSection125-4 Don http://mtnhealthinsurance.com
In my opinion, if that person makes the dough then they get to rule the house! But if the other person works as well, then they should have free rule also! Or, split the finan…ical responsibilty! Hope I didn't start a fight!
I'm not a lawyer, but no. First, it's unethical for a potential employer to even ask if you're married. Once employed, such personal matters are none of the companies "busines…s." An exception would be if the spouse actually works for the same company, in which case, a conflict of interests can occur, and the employer may have guidelines/rules that prohibit relationships between employees that may cause a conflict of interest.
Several insurance companies now have "Domestic Partner" plans available. This includes coverage regardless of gender and/or marrital status. Check with the individual co…mpanies to see if they offer the coverage.
Can an employer force spouses off of the health insurance plan if they have a health insurance plan available to them through their job?
To my knowledge- No they cannot. It almost comes down to discrimination. If they offer insurance to one spouse then your employer shouldn't be able to turn to another person a…nd say "sorry.. your spouse has health insurance options at her job.. denied!" You will be the one paying the premium to carry your spouse! I have honestly never heard of this happening. You should contact your corporate HR though. Hope this is helpful:) Evan
Generally speaking (and this may not apply to every circumstance), an employer can force a spouse (or domestic partner) off of the employer's sponsored health insurance plan, …but under certain conditions only. The spouse being forced off of the plan must be eligible for his or her own employer sponsored plan. The plan that the spouse is eligible for must include a comprehensive package, and not be a fixed indemnity limited coverage plan. For example, wife works and covers her husband and kids under her family plan. The husband also works, and where he works they too offer coverage under a similar comprehensive medical plan. He has waived out of his company's plan because he is covered by his wife's plan. In this instance the wife's company could force the husband off of her plan, thus making it necessary (maybe even mandatory) for him to enroll as a single subscriber under his employer's plan. The wife's company would not be able to force the husband off if the husband's company (1) did not offer medical insurance, or (2) if the husband's company only offered a limited coverage plan.
No. Federal Law (ERISA) does not require that health benefits are offered at all. They can make those restrictions if they want to.
In California, under some circumstances, 20% is use. The argument can be made in other states under a rebuttable presumption. see links
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 get 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.
If you are asking if you can cover a domestic partner on your policy the answer is it depends on the state regulations, the selection of that option if it is not mandatory and… the definition for qualifying. If the question is more general and not about adding to your policy, you can choose to pay for anyone's health insurance you want to if a carrier will offer the coverage.
Assuming the employer offers coverage to spouses, then the employer would not have the right to turn a spouse away. The spouse's loss of coverage is a "qualifying event" and t…he employer's insurer would allow the spouse to join.
The employer does not have to pay for the spouse's coverage. It can be offered to the employee and the cost taken from his/her paycheck to cover the spouse. There is no legal… requirement for the employer to offer coverage for spouses -- even at the employee's expense. However, it would be very unusual for a plan to cover only employees and not have coverage available for spouses and children.