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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.
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Can an employer deny coverage to spouse who has lost health insurance?
Assuming the employer offers coverage to spouses, then the employer would not have the right to turn a spouse away. The spouse's loss of coverage is a "qualifying event" and the employer's insurer would allow the spouse to join.
Can you change health plans when electing COBRA?
In a health plan with multiple options, the health coverage that is considered to be in effect on the day before the qualifying event is the option the employee previously selected. If the employer offers participants a choice among indemnity coverage, PPO coverage, or HMO coverage, and the qualified beneficiary elected HMO coverage for the plan year in progress at the time of the qualifying event, the qualified beneficiary generally may not change to the indemnity or PPO coverage at the time of the COBRA election. Even if the PPO and indemnity coverages are separate plans, the qualified beneficiary did not have coverage under them at the time of the qualifying event and cannot continue that coverage. At an annual enrollment period occurring during the continuation period, however, the qualified beneficiary will be entitled to switch options in the same manner as an active employee and could then elect the PPO or indemnity coverage in place of the HMO coverage. (Qualified beneficiaries' election and enrollment rights are different in some circumstances, so ask about that if you are considering the rights of dependents rather than the ex-employee alone.)
Can you drop medical coverage when you have a qualifying life event under Section 125?
Yes, you can drop your coverage whenever you have a qualifying life event. You will lose any money in your Section 125 that you do not use before the end of the qualifying time period.Ê
Can an employer force you to keep insurance on dependent children if your ex has insurance on them but the insurance won't drop coverage unless there is a court order for the ex to cover them?
Your employer can not legally force you to insure anyone unless the employer is in possession of a court order that requires the employer to keep this coverage in place. In going thru this issue before the HR department said that: There needs to be a "qualifying event" http://www.dmhc.ca.gov/library/faq/coverage/cal-cobra.asp#small to be able to drop coverage. However, qualifying event refers to GETTING or enrolling for coverage, NOT taking coverage off. The Blue Cross Manual says "Employees may be deleted from the plan due to termination of employment, ineligibility for coverage under the plan or when the employee does not wish to continue coverage regardless of his/her employment status and/or eligibility." Ask the Employer or Insurance Company to cite the law or their manual. It appears they are confused between getting coverage midyear and taking coverage off. CA Insurance Code 10700 et etc. applies to GETTING coverage - not taking it off at the employees request http://www.leginfo.ca.gov/cgi-bin/displaycode?section=ins&group=10001-11000&file=10700-10701 For more information see www.SteveShorr.com/ic.10700.htm
An occurrence entitling a person to elect continuation coverage under COBRA is also referred to as?
qualifying event
Can an employee indemnify the employer?
In the event whereas an employee neglectfully causes damages or loss to company properties, they can be made to compensate their employer. R Layne,
Can an employer refuse insurance coverage to an uninsured spouse?
Maybe. What does their agreement with the Insurance Company say? Employment manual? Are other dependents covered for other employees? Open Enrollment? Qualifying Event? For more info see www.SteveShorr.com
How long after an event can employer dismiss employee for gross misconduct?
An employer can dismiss an employee at any time for any reason or no reason, except when the firing violates a statute or contract.
When was Masters Qualifying Event created?
Masters Qualifying Event was created in 1990.
When did Masters Qualifying Event end?
Masters Qualifying Event ended in 2009.
Who to talk to when your company refuses to allow you to put your son on the health insurance plan due to no open enrollment?
All policies have specific rules for adding dependents. The general rule is either at open enrollment or when there is a qualifying event. That event might be loss of previous coverage, new birth or adoption etc. You are generally not allowed to add a dependent at will. One of those circumstances must be the reason and each has a specific time frame that must be followed. If you do have a qualifying event and your employer is refusing to add your son call your state Dept of Insurance.
Is COBRA health coverage a law?
Yes, COBRA (Consolidated Omnibus Budget Reconciliation Act) is a law that provides certain employees and their beneficiaries the right to continue their group health coverage at their own expense after experiencing a qualifying event, such as termination, reduction of work hours, or a life event like divorce or death of the employee.
