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Can an employer change insurance companies in the middle of the year and give the employees less than 2 weeks notice?

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2015-07-15 21:23:45
2015-07-15 21:23:45

Employers usually change their insurance on their renewal date which is anytime of the year. Yours may just have happened to be in the middle of the year. They do not have to give you notice, but even less than two weeks, that's still plenty of time for them to give you information regarding the new plan, what it covers, what your contribution, if any, is going to be. They shouldn't cancel your prior coverage until they get approval from the new company.

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Depending on the state and size of employer, there are situations when employers can change or stop the insurance benefits they offer to employees.


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If you are referring to group term life insurance the answer is no. The policy is a group policy and the policyholder is the company and the employee only and a spouse has no right to the policy. Sometimes there are individual life insurance policies sold to employees on a payroll deduction basis and they are group billed to the employer. These policies are able to be taken by the employee if they change employer and they can just change the payment type so that they pay the policies themselves.


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Yes. You can change at any time. The insurance company cannot deny the claim because you changed companies.


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He needs to notify you 60 days in advance, per ERISA. He has the option of notifying you via quarterly newsletter, so long as the newsletter announcing the rate change is sent before the change happens.



If not legally separated, you will probably have to wait until open enrollment through your employer to cancel her insurance. If you do get legally separated, you can cancel insurance as you have had "change in status." Usually insurance companies will process changes outside of open enrollment when you have a change in family status. An example of this would be getting married, having a baby, or getting divorced/legally separated.



The best companies depends on what suits you. Health insurance is affordable. You may need to change providers if your provider does not have affiliations in Iowa.


No law addresses that, a few employees have union contracts that do.


Is it a group health insurance? Talk to your employer or decide to buy it independently. If you want to buy from private companies, do your research. Ask questions and compare some online quotes.


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 obtains her own insurance or a court orders otherwise.


A. You pay less money for insurance coverage B. You are less likely to change insurance companies


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Generally not. Most companies do not change your insurance rate for non-driving violations.



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