Depends on the country. In Canada most companies and educational institutions (colleges/universities) insure their employees/students including all their dependants (spouse and children). Part or full cover depending on the province and organization. In most cases it covers 50-100% all healthcare costs that are not funded by the government, extra/secondary ultra sound scans, dental, psychiatry etc that are with/without referral from docs in private clinics. Most of all other procedures and non-elective surgeries, childbirth, mamograms, ct scans ordered by doc in public hospital etc within the public system are 100% free. The way it should be!
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
an insurance mandated for an employer
up here in Canada we don't need to buy extra insurance. we operate under the license of a medical doctor and that's where our insurance comes from.
Your employer should provide the minimum employee benefits, such as Medical, Dental & Life. You will pay additionally as a apart of the United States Government taxes, Social Security, Unemployment and Disability Benefits, which can also be shared by your employer. Additional employee benefits offered are Just that additional, and you can choose to Opt-Out of any additional benefits.
There are a variety of online sites that post a wealth of information about health insurance for small businesses. The online companies eHealth Insurance and Aflac Group Insurance, for example, both provide this service.
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.
In order to provide themselves with additional (supplemental) coverage in case the employers insurance policy is insufficient. When the assistant wants an additional layer of coverage beyond the limits provided by the employers policy.
One can find a quote for employer's liability insurance online at various websites. One can get quotes for employer's liability insurance at websites such as Compare the Market, MoneySupermarket, and AXA Insurance.
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.
That depends on the employer and the employer's insurance policy.
no
It depends on how their plan document is worded and the specific reason given for denial of coverage for the wife. If their plan document states that dependents with access to other coverage cannot be enrolled and the wife has access to insurance through her employer, then they can.