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No, these types of plans can not discriminate. The plan can have specific exclusions but they must be applied equally for all employees.

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โˆ™ 2015-07-15 21:44:27
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Q: Can an employer offer guaranteed issue group insurance plan and exclude certain conditions on an individual?
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In what class of life insurance are individual life insurance policies issued to members of a group with an employer or other body collecting or remitting the premiums to the insurer?

"In what class of life insurance are individual life insurance policies issued to members of a group with an employer or other body collecting or remitting the premiums to the insurer?"


Should an employer provide insurance for employees?

Yes. It is a tax deduction for the employer. Non taxable to the employee. Guaranteed Issue. Makes for happier employees and more productive too.


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.


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.


What does portability mean in the context of life insurance?

Portability means to carry. In the insurance world it means for a person to able to be insurable when leaving one employer to another. As in HIPAA (Health Insurance Portabliity and Accountability Act.) Check out the HIPAA laws all the information that you need is there. A person is guaranteed access to health insurance for small business. Guaranteed renewal of insurance regardless of health status of any member of a group. Guaranteed access for individuals that lose their group coverage due to loss of employment or change of jobs to a company without insurance. And Pre-Existing conditions cannot be imposed for workers with previous coverage and limited conditions treated or diagnosed within six months prior to enrollment in an insurance plan. I hope that helps.


Do part time jobs offer insurance?

Some part time employers do offer insurance benefits,it is up to the individual employer.


What is mandated employer insurance?

an insurance mandated for an employer


Should you purchase term life insurance in addition to life insurance offered by your employer?

Keep in mind that usually life insurance through your employer does not leave with you when you leave work. So if it is 10 years and you decide to leave, you will at that time have to get your own individual life insurance. Now you are 10 years older and your height and weight could be different and you could have medical conditions. Yes, it is a good idea to get life insurance in addition to your work insurance. This way you will be covered at a younger age.


Can employer cancel health insurance upon termination?

Technically employer should inform the insurance company when they terminate any regular employee. Then insurance company will give 31 days window after termination date. That way, the emplyee could able to change their insurance either to new company benefits program or convert to individual health insurance. The employer can't terminate your group health insurance.


What insurance benefits do veterinarians get?

This varies considerably depending upon the individual contract negotiated by each veterinarian with their employer. In the United States in private practice, this can range from no insurance benefits through their employer to full medical/dental/vision/prescription coverage, disability insurance, life insurance and professional liability insurance.


What is portable supplemental life insurance?

Portable supplemental life insurance is any individual life insurance policy that is not taken through an employer group. The employer provided life insurance coverage will be lost as soon as you change jobs, get laid off, fired or if you quit, while the individual life insurance policies will continue to stay in force regardless of your employment situation (providing you are paying the premiums on time).


What happens to your life insurance when you are no longer employed?

If the life insurance was provided by your employer and your employment is terminated, you will lose the life insurance protection. You should look into individual life insurance, which you can take with you if your employment terminates.


Is increased Pay in Lieu of Benefits a good idea?

It depends on your individual circumstances. For example, an individual cannot purchase medical insurance for the same price as an employer and insurance paid for by an employer is tax-free while the insurance deduction for an individual is difficult to take. But if you are married and your spouse's employer provides family coverage, you may not need insurance. Or if you have another job, you may already have insurance. The same idea applies to other benefits. Some benefits you may be able to get cheaper on your own, others not. Some benefits you might need, some you would rather get the cash for.


Does Virginia have long term disability?

You have to check into Social Security disability, if you don't have your own disability insurance (individual policy, or through your employer); It is recommended that you get your own Disability Insurance policy if your employer does not offer such benefits. Yes, there are disability insurance policies available in Virginia.


Are private disability insurance benefits taxable?

Individual disability insurance benefits are not taxable, because the premiums are paid with after-tax money. The employer paid disability insurance policies have taxable benefits due to the fact that premiums are paid by the employer with pre-tax money.


What type of coverage does UMR Insurance offer?

United Medical Resources Insurance offers basic health care policies designed for the individual or small companies and corporations. Particular policies will vary from person to person or employer to employer.


How can one obtain individual health insurance after a divorce?

To continue individual health insurance after a divorce, one can apply for an insurance coverage under the Federal Law COBRA. It means that person will be covered by his/her ex-spouse's insurance plan obtained from the ex-spouse's own company or employer.


Can you be denied health insurance if you get on a group health insurance plan?

In California small group plans are guaranteed issue, which means you would not be denied. The HR person of his prospective employer would be able to tell you if they have a guaranteed issue plan.California has the Major Risk program too. If you live in another state, you can check their insurance programs online.


Can you get individual health insurance if you have a preexisting condition?

Yes, though it is hard. Also, preexisting conditions vary, as far as definition, from one company to another. While it is easier to get coverage through an employer, you are able to get it via a private company.


What should employers liability insurance cover?

Employer's liability insurance exists to protect an employer from an employee's insurance claims from conditions resulting from work. The insurance should cover medical costs and some lost wages.


Is life insurance available for social worker?

Most anyone can purchase life insurance on an individual basis. Whether or not it is provided by your employer as part of a benefit package is determined by the employer. Life insurance can be purchased from an agent. Your rates will be determined by your health situation and different companies will have different rates as well.


When does Medicare become the primary insurance?

Medicare becomes the primary insurance if you drop your employer insurance. Up until you drop your employer insurance, Medicare would be your secondary insurance.


Can your employer cancel your health insurance without your knowledge?

Your employer cannot legally cancel your health insurance without your knowledge. If an employer chooses to cancel your health insurance he or she must notify you.


Can an employer drop health insurance for its employees if it is voluntary?

"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.


Why is it so expensive to purchase disability insurance for individuals who 's employer wont offer it through their company?

Individual Policies are better. The employer can't cancel it. You can take it with you to a new job.