If you both have coverage the wife's policy will be primary, and the husband's will be secondary - provided the wife is covered under the husband's policy. Submit the unpaid claims to the secondary carrier.
"The average amount of life insurance coverage on insured husbands is $235,600 "
Yes! If she has a state-funded insurance also, the husband's coverage will be secondary.
It depends on how their plan document is worded and the specific reason given for denial of coverage for the wife. If their plan document states that dependents with access to other coverage cannot be enrolled and the wife has access to insurance through her employer, then they can.
They can choose not to provide coverage for a spouse. US law states employers have to provide insurance for employee's children under the age of 26, but does not say anything about spouses, so they can choose to stop covering employee's spouses.
No. If you had an accident with your husbands car and you were at fault with only PLPD insurance, the damages to your vehicle would not be covered.
You must be at least 65 years old OR have been collecting SSI disability for more than 2 years to be eligible. No spousal coverage is available.
how do i get a copy of my husbands life insurance from global insurance
Sounds reasonable but is not a given or automatic wage adjustment. She can use this fact to negotiate her salry but the employer is not obligated to make any increase.
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 doesn't benefit from such commission, that should be one of the service they provide to you.
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 can keep the work coverage without having any period where you are without coverage.
Yes... you are not entitled to receive benefits; you must comply with their requests in order to take advantage of their offer of insurance.
National Health Insurance