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Can an employer require different waiting periods for medical coverage per class of employees?
Wiki User
∙ 9y ago
Yes, an employer can require different waiting periods. Different levels of jobs may have different benefits which would require various waiting periods.
Wiki User
∙ 9y ago
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Can an employer reimburse the expense of one employees medical coverage when carried by the spouse and not offer that same option for other employees?
If you all receive the same health benefits, then no, however if you are in a different group of workers with separate terms of pay and benefits, then yes.
Is it normal my employer provides 60 percent medical coverage?
Its upto the discretion of your employer how much medical coverage to be provided to you at the time of your employment and accepted by you.
What is meant by the abbreviation HRA?
The abbreviation HRA stands for Health Reimbursement Arrangement. Which is usually a benifit offered to employees by their employer. It helps the employee with paying for medical coverage.
Who should investigate cobra coverage?
A 50 year old man with dental and medical coverage through his employer
What is compentancy?
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.
Can an employer terminate my medical insurance while I am on workmen's comp?
In Canada they cannot terminate medical insurance while an employee is on Worker's comp. However, if all employees have their medical terminated then the employer can get away with it.
Do you have to pay workers comp if you pay for your employees medical insurance?
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 the injured employee (medical expenses and a percentage of average lost wages). There are some circumstances under which the worker may not collect, but by and large, the workers compensation system exists to protect the employee. It also protects the employer because, if the employer has complied with the law by providing workers compensation coverage as required, the employee may generally not file suit against the employer or a co-employee for damages for a workplace injury.
Can your employer cancel your medical coverage before you have received any info about cobra coverage?
Legally? no, your employer has 60 days to mail you information on COBRA policies they offer. Your policy from your employment will terminate 30 business days after your employment ends
Can you explain a health reimbursement account?
Health Reimbursement Accounts (HRAs) are health care plans paid for by an employer to reimburse the medical expenses of its employees, their spouses, and dependents. HRAs are designed to give employees more choice and greater control over their health care coverage. Health Reimbursement Accounts are funded solely by the employer, and cannot be funded through employee salary deductions. The employer sets the parameters for the Health Reimbursement Accounts, and unused dollars remain with the employer - they do not follow the employee to new employment.
What is a health reimbursement account?
Health Reimbursement Accounts (HRAs) are health care plans paid for by an employer to reimburse the medical expenses of its employees, their spouses, and dependents. HRAs are designed to give employees more choice and greater control over their health care coverage. Health Reimbursement Accounts are funded solely by the employer, and cannot be funded through employee salary deductions. The employer sets the parameters for the Health Reimbursement Accounts, and unused dollars remain with the employer - they do not follow the employee to new employment.
Can an employeer offer reimbursement for medical coverage and not offer to others with no coverage?
If I understand the question correctly the answer is yes. An employer can have a Health Reimbursement Arrangement as the mechanism to pay for employees health care. In those plan documents the employer can specify what they will reimburse for (ie insurance premiums, Rx, dnetal etc). If the plan is established such that they only pay for insurance premiums then they are generally under no obligation to pay for out-of-pocket expenses for an employee that has no insurance. That said, they can not discriminate within the terms of the plan. If the plan says they will reimburse for XXX then they must do that for all employees.
What is the target group for medical insurance sales?
Anyone with $$$, even those that don't can get Healthy Families or Medi-Cal, medicaid. In most states medical insurance products focus on three markets: Individuals - those who pay for their own coverage because they are unemployed, self-employed or their employer does not provide coverage. Small Business - generally defined as employer groups of 2 - 50 employees. Large Business - generally 51+ employee groups. Often this category can be stratified based on number of employees (51 - 200, 201-2000, etc). Medical insurance as a category also includes Medicare Supplements and most people consider Denatl & Vision to be as well.
