Can your employer give health insurance coverage to one employee but not the other?
Yes and no, depends on the circumstances. Are they similar situated individuals? Does the employer care about the premiums being tax deductible?
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. 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
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 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
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
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
ofcourse! Read More
debit employee health insurance credit cash / bank Read More
The Cobra health insurance temporarily extends the coverage by your sponsor or employer. This implies that you can get it after a loss of a job or loss of benefits. 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 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
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
Private health insurance is an alternative to government issued health insurance. It can be provided through a union or employer or one can purchase it from a private health insurance company. 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
Once per year, individuals who receive health insurance through their employer have the option to change their coverage or keep their current coverage. Read More
Cobra is the health insurance taken by an individual to replace his employer subsidized health insurance while shifting between two jobs, in order to maintain his status of continuous coverage. Read More
An employer can choose not to pay for health insurance for any employees but can not discriminate by paying for some employees in a qualified class and not others. 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
Is it illegal for an employee to go outside the employer for health insurance if the employer offers it?
Only if the employee is illegal. then fire him. 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
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
Can your employer's health insurance require your husband to take his employer's health insurance if his is not free and not as good as yours?
My employer requires that my husband participate in his company's health insurance or they will drop him from their insurance. Insurance is a choice offered as a benefit by the employer because the employer is paying a portion of the cost to be insured. You do not have to participate if you don't want to. Also, the question being answered is that can an employer force an employee's spouse to take coverage offered elsewhere: NO… Read More
Can an employer legally deny coverage for a spouse if the spouse's employer offers health insurance and the spouse is pregnant?
No. See link for citation. Read More
You own a company in a state where state funds aren't mandated for employee health insurance What is one option for providing your employees with health coverage for work-related inju?
self-insurance coverage Read More
When your company offers health insurance are you required by law to have health coverage to work Do you have to opt in?
If you are required by law to carry insurance, you can either have it through the employer or provide your own. They cannot legally force you to opt in to their coverage. 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
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
It is exactly what it says. The EMPLOYER provides health insuance coverage if you desire to avail yourself of it. The employer MAY cover all of the cost, some of the cost or none of the cost. But, because you are part of a group insurance plan, the cost will generally be less than finding a policy on your own. Read More
Insurance companies have the legal right to terminate insurance coverage when the monthly premium is not paid as agreed. Read More
What can you do if your employer does not pay the health insurance on time and the insurance is dropped?
we should see wether the employee has any cobra benifits.... Read More
You own a company in a state where state funds aren't mandated for employee health insurance What is one option for providing your employees with health care coverage for work-related injuries?
Self insurance coverage Read More
Humana is considered to be one of the best health insurance providers in the United States, but the level of coverage varies between plans. If you purchase yourself you can decide on the amount of coverage vs. cost, but if you get it through an employer they will decide your level of coverage themselves. Read More
Is an employer required to continue paying health insurance benefits if an employee is short term disabled in New York?
No. They are required to continue to offer coverage, but they are not required to continue paying for it. You would be responsible for the full premiums. Read More
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. Read More
Perhaps the most beneficial reason is that someone else is paying all or a portion of your health insurance costs for you. Even if your employer pays 50% of your health insurance cost that's 50% less that you don't have to pay directly out of your pocket with post-tax $. Employer coverage is definitely a lot more limited on the choices of benefits & plans as opposed to the myriad of choices available if you… Read More
Small business health insurance may take a huge chunk out of your revenue. Health insurance companies must sell you any small employer health plan they sell to other small employers in your state. Group health insurance is employer-sponsored health coverage for business owners, employees and often for dependents. Read More
If your employer offers health insurance and you opt not to have it are they required to compensate you for the cost of a premium?
No. Keep in mind that insurance coverage is very expensive and the employer, as a rule bears the largest amount. Read More
Short term health insurance is temporary coverage designed to fill gaps in coverage. Short term health insurance plans provide you with coverage for a limited period of time, and may be an ideal solution for those between jobs, waiting for other health insurance to start, so if that is the case then you may want to look into it. Read More
Employers only have to provide health insurance if they meet certain legal requirements. A business must have a certain number of full-time employees for it to be required to provide insurance for health coverage. Read More
Most companies offer group health insurance. As an employer it is normally a good thing to offer a group health insurance plan as it is cheaper for the company and needed by the employee. Read More
Answer Can they? Yes. Should they? No. Read More
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. Read More
Group life insurance is written for employee groups, unions, creditors, and other similar groups to provide insurance coverage to a number of individuals under one contract. The underwriting is based on the group not the individuals. This insurance is typical of a employee benefit where every employee has a certain amount of coverage regardless of health or other factors. Read More
Can you receive financial compensation from your employer if you do not take your employer's health insurance?
Yes. A company may offer a credit if you decline insurance as long as you have other coverage. If you dont have other coverage you can't opt out of insurance if offered by your company Read More
This is determined by the employer who is paying the premiums for coverage. If there is a local domestic partnership registry available, then the requirement is usually a certificate of registration of domestic partnership. Otherwise, the requirement can be merely a notarized affidavit of domestic partnership in a format prescribed by the employer. Assuming the policy that has been purchased by the employer offers domestic partner coverage, then the insurance company will provide coverage to… Read More
Yes. Depends on company rules and if it's HMO or PPO coverage. Read More