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.
Is the insurance company required to notify you if your employer cancels the company policy thereby cancelling the employee coverage?
No. The Employer must notify you. Read More
No. An employer can start offering health insurance to employees day 1. Due to health care reform, effective January 1st, 2014, a group health plan may not use a waiting period that exceeds 90 days. A waiting period is the period of time that must pass before coverage for an employee or dependent who is otherwise eligible for the plan can become effective. Being eligible for coverage means having met the plan's eligibility conditions (such… Read More
The amount that is paid for any kind of insurance is called "premiums". The same term applies whether an employee or employer pay for the insurance. Read More
No, an employer cannot harass their employees into dropping coverage. It is not the employers business to get involved in the personal insurance details of their employees. Read More
Who is legally responsible for carrying professional liability insurance coverage the employer or employee?
Neither, This is generally addressed in the terms of your employment. Sometimes the company will provide the coverage while other times The employee will. However, Most often, when working in the employ of another the employer will carry the necessary coverage. Read More
You have had insurance with your current employer for 18 months If you change jobs are you immediately eligible for coverage with your new job?
Depends what the waiting period is. You would probably be eligible for COBRA in the interim. Read More
If an employee leaves does the employer have to provide Cobra insurance until they find another insurance company?
If you had an employee covered under a group policy (less than 5), do you have to provide Cobra insurance to the employee until they find other coverage if they leave the company? Read More
In Pennsylvania can an employer legally ask an employee for proof of marriage or divorce before adding or deleting insurance coverage for a dependent?
Yes, it is more likely it is the insurance provider's requirement rather than the employer. Read More
If an employer pays the premium on medical insurance and forces an employee to take that coverage is there anything the employee can do if they are covered under another plan?
Contact your human resource or personnel department people. If you have to self-pay for your health insurance coverage at your workplace you may be able to select not paying for it and decline the coverage. It depends on the insurance laws in your state and what is the policy at your workplace. If your employer pays for the insurance for you and you don't have to pay anything then why turn it down? Medical care… Read More
How do you maintain health insurance coverage for your wife and son after you turn 65 and are eligible for Medicare?
Where you covered under an Employer Group or Individual Plan? If Employer Group - they would be eligible for COBRA - If Individual - then just tell the Insurance Company to take you off. Read More
Yes and no, depends on the circumstances. Are they similar situated individuals? Does the employer care about the premiums being tax deductible? Read More
No, an employer cannot suspend health coverage if the employee pays part of premium. as per Law.In case where the employer pays the entire premium, he can suspend health coverage on one pretext or other.But when the premium is equally shared by both the employer and employee, it would be a contractual violation and the employee can sue against his employer for remedy. Read More
If you lose your job and primary health insurance but are also covered through your spouse's group plan are you still eligible for COBRA?
That would depend on if your spouse's coverage is group or individual coverage. If it is group coverage offered by your spouse's employer then NO. Cobra regulations specifically say that you are not eligible if you have other employer sponsored group coverage with one exception. That is if the other coverage includes any pre-exisitng conditions clause that would deny you coverage for that illness/injury. If you have no pre-existing conditions or the pre-ex caluse does… Read More
Your employer does not. Under a federal act known as COBRA (1985), you are entitled to continue your coverage through your employer's health insurance company at the full rate (your premium plus whatever your employer paid) or you may elect a lesser coverage plan under the same health provider, for up to 18 months (in most cases). While there is an additional act known as ARRA (2009) in which the government provides some eligible individuals… Read More
Does the healthcare law require employers to include in the W-2 form of each employee the aggregate cost of applicable employer sponsored group health coverage that is excludable from the employee's g?
Yes if the employer is claiming the credit the amount of the medical insurance premium that the employer is paying on behalf of the employee will be included on the W-2 form to inform the employee of the amount that the employer is paying for the employee. Read More
Insurance costs depend on several factors, such as location, size of company and number of employees and claims history. It also depends on the kind of coverage, limits, coverage form, endorsements, deductibles and the overall claims history of the chosen insurance company. Then, your employer can decide if he wants to pay all or part of your coverage or your family's coverage. Read More
Is an employer responsible for continuing health insurance coverage if an employee is out on workers compensation claim?
I don't know anything in the Code that requires it. The EmployER application for Group Medical Coverage asks if an Employer would like to allow an employee to keep coverage for up to 6 months. What if the Employer is only paying a portion of the premium? The Employee would still have to pay his portion. For a copy of the Blue Cross employer application Question # 10 http://www.quotit.net/eproIFP/webpages/applications/applications_group.asp?license_no=0596610 There is always COBRA Read More
A group life insurance policy is an employee benefit program. The employer is the contract holder, and the lives of the employees are insured. If the employee leaves the company the coverage may or may not be convertible to an individual policy (one owned by the former employee, rather than the employer). Read More
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. Read More
Yes, in certain situations. For example, 1) If you are no longer considered an "Eligible Employee" - (ie. you no longer work enough hours to be considered full-time); 2) If your employer discontinues the plan for all employee's. Note: Any involuntary loss of coverage may be a COBRA or HIPAA event. Read More
Worker's compensation is insurance coverage for employees to compensate them in case they are injured while performing their job. The employer pays a premium that covers medical expenses and lost wages in case their employees are injured. If these benefits are excepted the hurt employee must release the employer of further liability. The insurance company pays the claim and the employee can no longer sue the employer for the injury. Read More
Not in the United States or Canada, unless the employer also refuses insurance coverage to opposite-sex spouses. Read More
The employer does not pay unemployment benefits. The employer pays unemployment insurance premiums to the State of lllinois. When the employee is terminated, the employee applies for unemployment benefits with the State of Illinois. The state determines if the employee is eligible for benefits and, if the employee is awarded benefits, those benefits are paid and monitored by the State of Illinois. Read More
"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 premiums 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. Read More
An employer is responsible for paying unemployment insurance through taxes in North Carolina. Employers pay at both a state and federal level for this type of coverage on their employee. Read More
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 employer's health insurance contract calls for the employer to pay 100% of the employees premium the employee can not decline coverage. Very often you… Read More
Does an employer in Texas have to provide workmen's compensation insurance for an employee if that person has their own private insurance?
Texas is the only state were an employee does not have to have workers' comp insurance. Instead they can have a private accident insurance plan. But they must have one or the other. AN employer can exclude contract employees from coverage under their plan (at least in Texas). I forget the exact number, but I know if an employer is a small company, I think it may be under 15, then they don't have to… Read More
Beth C. Fuchs has written: 'Mandated employer provided health insurance' -- subject(s): Employer-sponsored health insurance, Health Insurance, Insurance, Health, Law and legislation, Medically uninsured persons 'Private health insurance continuation coverage' -- subject(s): Continuation coverage, Health Insurance, Insurance, Health, Law and legislation, Legislative history, United States 'Taxation of employer-provided health benefits' -- subject(s): Employee fringe benefits, Health Insurance, Insurance, Health, Taxation Read More
A person can certainly choose to drop a spouse from their coverage with one exception. If the employer is paying 100% for the employee and spouse then the employee can not opt out of coverage since it costs them nothing. You may be required to show that the spouse has alternate coverage. Check with your HR department or benefits coordinator. Read More
An employer's non-owner is usually an endorsement to a commercial auto or commercial general liability policy that is actually called hired and non-owned coverage. I always recommend this endorsement to my commercial clients because it is very inexpensive and provides coverage to the employer in cases where an employer has to drive to the bank or post office or similar errands. If an accident occurs the endorsement provides coverage for the employer only. It does… Read More
If you are denied temporary health insurance can you still be eligible for insurance from the same company when you start your new job?
Generally yes. Most employer coverage is guaranteed issue. If you applied for an individual coverage and were denied for underwriting reasons that should have no effect on the employer plan. In fact, it is common for someone with an uninsurable condition to make the availablility of health insurance a prime consideration when looking for a new job for this very reason. Read More
Can an employer force an employee to use their company health insurance as the employee's primary insurance when the employee already has very good insurance?
No, They can not Read More
You would have to sign a waiver on your insurance stating that you have prior coverage. Your application that your employer gives you should have that on it. The above answer assumes that you have the right to opt out. Here in CA if your employer pays 100% of the premium you can not opt out even if you are eligible for other group coverage. Often the employer will tell you that they pay 100%… Read More
Your personal auto coverage will not cover their vehicles. What they are probably asking for is to make sure you have coverage in case you drive your vehicle on errands or such for the company. If you go to the post office to get the company mail your personal auto insurance will be the primary insurance and then if they have an endorsement to their insurance called "hired and non-owned auto" it will provide secondary… Read More
Yes they can. Maternity leave is designed to allow you the time needed to have the child and then return to work. If we decide to quit the job then we don't get to keep the benefit. This could be viewed as gaming the system. Read More
ofcourse! Read More
If an employer has the agreement that the employee receives money for a health insurance savings account or some other plan, they can receive money. It is up to the employer whether they want to directly compensate the employee or provide insurance. Read More
Does Florida Hospitals in Orlando and Tavares have the right not to offer former employees Cobra or conversion insurance?
Yes, they can withhold COBRA coverage if the employee is being fired for gross misconduct. They cannot prevent the insurer from offering conversion insurance, however. That is between the insurer and the former employee, not the employer. Read More
can a employer make the employee pay weekly for workmans comp or disability insurance Read More
Can an employer in OH legally deny coverage for a spouse if the spouse's employer offers health insurance?
Generally insurance coverage should be offered to an employees spouse. It does not matter if they are offered coverage from their employer whereas it provides an additional option in case 1 plan is more affordable than the other. Read More
You should consult with a tax specialist, but generally employer paid disability insurance benefits are taxable. Read More
If you live in Nevada an employer does not have to. In fact the Nevada will defend the employer, if an employee is injured on the job and the employer does not have W/C Insurance. I've been though this. Read More
Premimums paid to an insurance to an insurance company by an empolyer for the employees's grup term life insurance coverage are considered a non-cash taxable beniefit is it true or false?
Maybe. Group life insurance coverage is a "non-cash benefit". Section 79 of the Internal Revenue Code provides that an employer can provide up to $50,000 of group term life insurance coverage to each employee as a tax free fringe benefit. The employee would be taxed on the value of any coverage that exceeds $50,000. So the amount over $50,000 would be a non-cash taxable benefit. Read More
Certainly. Med insurance EXCLUDES paying for workplace injuries. Offering WC means that employees can never sue for injuries, claiming employer neglignece. No million dollar settlements. Further, they are really two separate coverages and are treated differently. While medical insurance is not currently required, many states require that an employer having a given number of employees or a payroll that exceeds a given amount, maintain workers compensation coverage. In generally, workers compensation coverage provides benefits for… Read More
Is key man insurance taxable to the person covered as is the case on group-term life insurance paid by an employer's company over 50K?
Key person life insurance is coverage on the life of a key employee and payable to the employer upon that employee's death. The purpose is to protect the company from the financial loss associated with the loss of the employee. Since the employee in no way benefits from a key person life insurance policy, there are no tax consequences to the employee. Read More