What is a qualifying event to drop medical insurance through your employer?
Usually divorce (to drop the other party) or marriage. Otherwise you may have to wait until open enrollment to drop. If you want to add yourself to your spouse or partner's coverage check first but you may be able to do that when you drop rather than have to do it during his or her open enrollment period. Again, check first before you do anything.
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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.
Can a husband drop his wife from medical coverage even if she cannot get insurance through her work?
Answer . If your question is on the legality of dropping the wife from insurance, the answer depends on the State and on the status (legally separated, etc.)of the marriage.. Answer . Yes he can, but only during his annual change piriods. It is his payroll deductions and he is the one to sa…y who is or is not covered on "HIS" policys. Sorry (MORE)
Answer . You can always drop due to a qualifying event. If you did not have a qualifying event, check your Section 125 Plan (AKA Cafeteria Plan). This document dictates the contributions that you make pre-tax through payroll deduction... so your ability to stop paying may be the key to your de…cision. (MORE)
Answer . When your employment is terminated for any reason, the employer is not liable to keep you on the insurance. However, they should offer you Cobra Insurance-you pay the total cost of the insurance. Most people decline this offer due to the expense..
Yep . I presume your asking about Medical/Health Insurance?. If you are out of work for a work-related injury [ie. you're on work comp] your company can terminate your medical/health insurance. I don't think it applies to short-term or long-term disability as those are health/medical benefits to… begin with. (MORE)
Insurance . Your employer can refuse if they have good reason. I'm not certain what kind of reason that could be, but if they are providing insurance to everyone else except you, you might have a discrimination case on your hands.
Answer They didn't just change it from one policy/carrier to another? Well I'd have a fit to start with. I'm assuming you have talked to them and are getting no where? If that's the case try contacting The EMPLOYEE BENEFITS SECURITY ADMINISTRATION in the US DEPARTMENT OF LABOR.
My husband and I both have group health insurance through our employers His policy is MUCH better than mine and I am a dependent on his policy as well Should I drop my policy from my employer?
Your example is quite common and a detailed look at the two policies may identify weakness in one that is stronger in another. Unless the better plan truly has everything you will need and offers 100% dental /drug/vision coverages, most plans only cover these benefits to a percentage or perhaps even… a dollar amount.. Your best coverage is obtained by retaining both plans and having them co-pay your coverage. That means that your husband's plan will pay the first portion of a benefit up to it's limit, then your plan pays the balance with him as the dependant. Same goes when you receive benefits (your plan first, his plan for balance).. Co-pay is ideal for families as kids may need more benefit frequency or things like braces that may not be covered in full on either plan, which at least will reduce the amount you will have to pay. (MORE)
No, an employer cannot harass their employees into droppingcoverage. It is not the employers business to get involved in thepersonal insurance details of their employees.
I found a website that answers this question. www.dmc.gov. It says that as long as the company that you work for has at least 20 employees and you are enrolled in the health plan you have the federal right to at least 18 months of coverage. You will have to pay the whole premium yourself though. ( a…ll of this applies if you leave your job or your hours are cut and no longer qualify for the company's insurance). I hope this helps (MORE)
Can an employer who pays 100 of an employees insurance change or drop his spouse if they are separated?
Answer . While there might be a state law somewhere that allows it, I would be surprised. A separation does not remove the duty of each spouse to support the other. If the employee has the insurance befre the separation, he will have to keep it until a divorce, remarriage after divorce, she obtai…ns her own insurance or a court orders otherwise. (MORE)
Can an employer drop insurance without notifying employees and employees continue to pay for insurance not knowing it has been dropped?
If such a scenario arises, the employer should be procecuted underthe existing law of the land. A case has to be registered by theemployees against the unscrupulous employer for cheating.
If you're adequately covered through your husband's policy then there shouldn't be a need for you to get additional coverage through your company if it's full overlap. But you may want to compare the policies and see if your employer's policy is better, and maybe switch you both to yours and cancel …the policy from his employer. Or, if your employer offers other coverages and his doesn't (e.g. vision coverage) consider doing primary medical through his and the supplemental coverage through yours. The one caveat to this would be if you think either of you could be out of work in the near future, in which case I'd take the safest course of action based upon your situations. (MORE)
Answer . In Canada they cannot terminate medical insurance while an employee is on Worker's comp. However, if all employees have their medical terminated then the employer can get away with it.
Answer . Unless you have some contractual agreement requiring them to do so, an employer is not obligated to pay for any of your insurance after termination. You will have the right to continue coverage under HIPAA at your expense however.
Yes, you can drop your coverage whenever you have a qualifying lifeevent. You will lose any money in your Section 125 that you do notuse before the end of the qualifying time period.Ã
Answer . Under most circumstances you can drop coverage at open enrollment. You can check with your benefits administrator to see if there are any qualifying events that may allow you to drop earlier. Also, in some circumstances you can not drop coverage even if you want to. Here in CA if the emp…loyer's health insurance contract calls for the employer to pay 100% of the employees premium the employee can not decline coverage. Very often you will see a contract written at 99% even though the employer actually pays all of it just for that reason. (MORE)
Yes explain your problem with the boss to your Adjudicator on your claim. You will be able to argue your point and getting coverage for E.I. and make sure the threathen a lawsuit. This will help, it is do able i have do it.. http://www.myei.ca/
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 .
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)
Certain employers pay the medical insurance premiums, either in full or in part, for their employees as part of the employee's remuneration package. These renewals are also subject to the 20% tax relief at source. Medical insurance pays benefits to members if they are insured.
In the US, some qualifying reasons to drop health insurance would be because one of the people originally covered becomes eligible for Medicare, one of the people covered dies, or if the people covered were married but then get divorced (unless maintaining health insurance is manadated in the divorc…e decree). (MORE)
If a married couple have medical insurance through each one's employer who's insurance pays the doctor bills first?
I have been a medical biller for over 10 years. It is always whoever is going to the doctor that one's insurance will pay. So, the husband goes to the doctor it is his insurance that would be the primary insurance and the wife's insurance could then be billed for the balance, i.e. copay, deductible,… etc. (MORE)
Generally, employer-supplied insurance will provide major medical. Check your policy or ask your HR representative about your specific policy.
Answer I might need more details to answer this. Most policies will continue to pay hospital claims if you are inpatient prior to your policy cancelling. Other than that I would say yes unless your question is more about specific approvals. We can for example stop paying for chemotherapy if you e…xceed your approved # of visits and the doctor keeps "forgetting" to send us the documentation we need to approve more visits. (MORE)
yes, in most cases the fine is cheaper than paying for insurance so most will
There is not a simple concise answer to this question as too many variables can come into play. Here are some of the variables: Does the company self insure itself. Does the company administer the self insurance program or do they vendor out its administration. What are the caps, if any, of the annu…al coverage and/or lifetime coverage. What are the required co-pays, if any. Are employee dependents included? If the medical insurance is contracted through an outside provider such as BC/BS, Aetna, etc.; how is the rating of each employee determined? Ratings will be affected by the medical history of those to be insured (diabetic or cardiovascular disease diagnosis, etc), number of and ages of employee dependents, etc. (MORE)
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.
The answer may depend on the dates when you were on FMLA leave as the law underwent some changes and is date dependent. In general, insurance may only be canceled if insurance payments were not made. But for this to occur, the employer must give you advanced notice that this will occur due to nonpay…ment. (MORE)
If no beneficiary was named the proceeds will be paid to the decedent's estate. The estate will be distributed according to the will or according to the laws of intestacy if there is no will. Generally, the legal spouse or spouse and children would inherit the proceeds. You can check the laws of int…estacy for your state at the related question link provided below. (MORE)
Yes, unless you pay/reimburse the employer for the insurance premium out of your own pocket.
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.
"Voluntary" insurance programs, such as those offered by AFLAC and certain other companies, are actually individual insurance policies that are marketed at the workplace-frequently during a period of "open enrollment". The premiums are paid by the employee, although the employer sometimes deducts pr…emiums from pay upon the authorization of the employee. Therefore, the employer is not truly a party to the insurance transaction. All other things being equal, the employer cannot "drop" the coverage. (MORE)
Yes. The best way to go about doing this would be to get quotes before the annual period in which you can enroll/disenroll, and go ahead and apply for an effective date that is the same day that you can make changes. That way, if anything stops the private company from issuing the insurance you c…an keep the work coverage without having any period where you are without coverage. (MORE)
Sadly there is no one answer to this question. It all depends on your particular situation and the cost and type of coverage offered. If you know a insurance agent. They should be able to help you make a better decision.
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)
Yes, it is standard practice for employers to search out the best value for the dollar, and switch at the end of the contract year if they find someone better. That said, the law governing health insurance has changed over the last number of years, mostly in a way to broaden the availability of co…verage for the employer. In years past, what often happened was that when the insurer changed, there was a period of time when a pre-existing condition was not covered under the new policy. A pre-existing condion is one that existed before the then-current policy went into force. New laws made it impermissible to exclude those conditions if the insured had continuous health coverage for a period of time before the new policy went into force. The amount of time that the old policy had to be in force may vary (often 90 days), so it is important to check. The point is, that you should never let the health insurance lapse or otherwise go out of force, so that there is a gap in continuous coverage into which the pre-existing condition may fall. (MORE)
Short term health insurance is temporary coverage designed to fill gaps in coverage. Short term health insurance plans provide you with coverage for a limited period of time, and may be an ideal solution for those between jobs, waiting for other health insurance to start, so if that is the case then… you may want to look into it. (MORE)
Yes. A group policy is not much different from an individual policy when it comes to cancellations. If the group misses payments or no longer meets the underwriting guidelines the policy can be cancelled or non renewed per local regulations and contract terms.
I recommend you get a HDHP on your own. That stands for High Deductible Health Plan. It will not cost you an arm and a leg and you may even pay less than you had to pay out of your salary every month until now. Main thing, don't freak out!
Can a spouse be dropped off your health insurance while going through a divorce if they are able to obtain insurance through their employer?
Generally, your employer will allow you to remove your spouse only during an annual drop/add period. Legally, a spouse is not required to provide health insurance for the other spouse unless directed by court order. However, courts often have "standing orders" where in parties filing divorce are pr…evented from doing such things. (MORE)
Is there a law on medical policys in NY that if during divorce your husband has to drop you from his policy you can pick up mine through your employer?
The question is confusing. You should try talking to your HR department and your divorce lawyer.
Every state has different rules, but if you have credible coverage elsewhere, your employeer may require you to complete an application, but you will have the option to waive coverage.
Yes. It may be a hassle, but it is important to choose the best coverage at the least cost for your family.
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.
If someone wishes to travel they do need to make sure they do not have a pre-existing condition that would cause the airline to refuse them passage. A major one of these which people forget is pregnancy.
The employers prefer private insurance companies for faster workculture,good environment,quicker claim disposal records and so on.Whereas in government insurance companies, red tapism plays animportant part in lethargic work culture. Further, job securityposes a mood of complacency among the governm…ent employees, whereasthe private employees suffer from service termination at a whispectand are frequently whipped by their bosses for any mistake at theirend. (MORE)
It is generally cheaper for people to negotiate healthinsurance prices through their employer as the combined company hasbetter negotiating power than a single person. . Employers keep more productive employees if they encouragehealth among their employees. As such some of the insurance may besubsi…dized by the workplace. Employers also have an incentive tomake sure that employees spend some of their earnings on healthmaintenance. . It is far less effort for an employee to get health insurancefrom their employers than on their own. (MORE)
Some employers do ask for a list of your medications, if you haveto take a drug screen test you will want them to know your meds,incase they show up in the test.