No. Federal Law (ERISA) does not require that health benefits are offered at all. They can make those restrictions if they want to.
Employers only have to provide health insurance if they meet certain legal requirements. A business must have a certain number of full-time employees for it to be required to provide insurance for health coverage.
There are no state or federal laws that require your employer to offer health insurance. They can decide to offer plans to full time employees only. They can decide to offer to salaried employees only.
Yes the employer can pay the health insurance but is not required to by law. He is encouraged to for bettering the employees benefits.
Absolutely. In fact, a great way to attract employees is to provide a benefits package that can include health and life insurance. The employer may generally require the participating employees to contribute to the premiums.
It depends on where you are as to how you get your insurance. In the United States, your employer ether has health insurance available or does not have health insurance available. Some musicians work for an employer who provide health insurance. Many do not provide it.
no
An employer can choose not to pay for health insurance for any employees but can not discriminate by paying for some employees in a qualified class and not others.
Check with your employer to see if any health insurance plans are available. Or if you own the business, perhaps look with your own health insurance provider to see if they can provide benefits for employees of your business.
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AnswerYes.
Yes, unless the Insurance Company is doing it.
No, if they are similiary situated individuals. It could be done by class - say management vs. salaried For more details http://www.steveshorr.com/dictionary.htm#Similarly_Situated_Non-COBRA_Beneficiaries