Can your husbands company force you to take insurance coverage from your employer?
They can choose not to provide coverage for a spouse.
US law states employers have to provide insurance for employee's children under the age of 26, but does not say anything about spouses, so they can choose to stop covering employee's spouses.
Is the insurance company required to notify you if your employer cancels the company policy thereby cancelling the employee coverage?
No. The Employer must notify you. 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
Your personal auto coverage will not cover their vehicles. What they are probably asking for is to make sure you have coverage in case you drive your vehicle on errands or such for the company. If you go to the post office to get the company mail your personal auto insurance will be the primary insurance and then if they have an endorsement to their insurance called "hired and non-owned auto" it will provide secondary… Read More
Coverage for contraception depends on your employer, not on the insurance company. Contact the insurance company using the number on the back of your card to ask about coverage for IUDs. If you don't have coverage, contact your local family planning office, as you may qualify for reduced-cost services based on your income. Read More
Yes. Depends on company rules and if it's HMO or PPO coverage. Read More
If your vehicle is being used for company/business purposes, yes. 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
No, they can't force you to buy it from your job. You can buy your health insurance wherever you want too. That's between you and the insurance company you choose to purchase coverage from. 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
If you change jobs will the new insurance company cover a dependent's cancer treatments assuming the new employer provides sufficient coverage?
Yes, as long as there is no lapse in coverage. Read More
Can anything be claimed after paying supplemental life insurance for nine years and and you've just been made unemployed?
If the life insurance was provided through an employer group policy, the coverage usually terminates when your employment is terminated. Some insurance policies through employer groups could include a portability feature, meaning that you can continue the coverage by paying (sometimes a higher) premium, directly to the insurance company, not to your former employer. Read More
Complete Coverage Insurance is the type of company referred to as an independent insurance agency. They provide insurance coverage for automobile, home, health, business and life. Read More
If you are driving your personal car on a business errand and your car is hit in the parking lot who is responsible for the damage you or the company?
Your insurance company may deny the claim due to business use, but they would be the primary coverage. Insurance stays with the car. But your employer should certainly offer to pay for this damage. I would file with my company and if there is coverage, maybe your employer would pay your deductible, if it is denied then file with your employer. If you would like to provide more details I could be of greater assistance. Read More
If you only have life insurance through a group plan with your company, the answer is Yes. Coverage through your employer is not portable in most cases and is usually out of your control. They generally follow a formula such as: 2 x Salary plus $10,000, as an example. They can drop this coverage at any time. It is always important to have you own life insurance outside of your employer. 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
Who is legally responsible for carrying professional liability insurance coverage the employer or employee?
Neither, This is generally addressed in the terms of your employment. Sometimes the company will provide the coverage while other times The employee will. However, Most often, when working in the employ of another the employer will carry the necessary coverage. Read More
If your employer changes health insurance in your last few weeks of pregnancy will the new insurance cover you and the baby?
That is something you will need to check with your new insurance company. Most have some sort of coverage for pregnancy. Look over the policy and call the company with questions. Read More
If an employee leaves does the employer have to provide Cobra insurance until they find another insurance company?
If you had an employee covered under a group policy (less than 5), do you have to provide Cobra insurance to the employee until they find other coverage if they leave the company? Read More
Insurance costs depend on several factors, such as location, size of company and number of employees and claims history. It also depends on the kind of coverage, limits, coverage form, endorsements, deductibles and the overall claims history of the chosen insurance company. Then, your employer can decide if he wants to pay all or part of your coverage or your family's coverage. Read More
Yes, if it is a group policy the company is the owner of the policy. You may qualify for COBRA coverage. Loss of coverage from your employer for any reason allows you to obtain coverage under the Affordable Care Act any time of the year. You may even qualify for premium assistance or a tax credit. Find an insurance agent that is certified to offer the plans and other options in your area. Read More
Yes, there are several different circumstances where this could happen. If the employer has discontinued the plan entirely, then there is no COBRA coverage to be offered. If the company has fewer than 20 employees, the plan does not have to offer COBRA coverage. If the company is a church, it is not required to offer COBRA. Last, if you were fired from the job for gross misconduct, the employer does not have to offer… Read More
Golden Rule Insurance is an insurance company offering various health insurance coverage plans, auto insurance coverage and homeowners insurance. They are affiliated with Unites Healthcare Company and are based out of Indianapolis, Indiana. Read More
You are required by law to have liabilty coverage, but not collision coverage. If you did not have collision coverage then you are not due any compensation by your insurance company. If you did have collision insurance and the insurance company will not pay, then you may be able to sue the insurance company, but you cannot sue the state. Read More
The workers comp insurance company requires the employer to insure all the employees. Read More
If a health insurance plan covers domestic partners does a employer that carries that insurance have the right to deny coverage?
A health insurance plan is designed based on what the employer wants. So if a plan says that domestic partners are covered then the employer group is the one that put that wording in the policy. So if an employer wont cover a domestic partner then domestic partners aren't covered company wide. Read More
The coverage will depend on your plan -- what your employer pays for -- and not on the insurance company. Contact the number on the back of your insurance card to find out what's covered. Read More
Can Florida stop you from getting insurance for you domestic partner if the insurance company said it was all right?
No. Some insurance companies offer domestic partner coverage in Florida and you are free to purchase such a policy. If your employer wants to buy coverage for you and your domestic partner, then it can. The state of Florida will not stop you. It may impose income tax on the value of the domestic partner coverage as "imputed income." Read More
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. Read More
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. Read More
If your employer canceled your insurance after you saw a doctor can he back date when it was canceled to before the doctor's visit?
The insurance can't be cancelled before the paid insurance coverage is up. Contact the insurance company directly to get the correct cancellation date. An employer can't back date past the paid through date. If the date the insurance company gives as the cancellation date, ask if the cancellation was due to non payment of the premiums OR if the employer cancelled after a premium was paid and requested a refund. You must also find out… Read More
Call your agent or your insurance company. Read More
How can I get HR policies in written format about health insurance coverage and cobra for a company I don't work for?
Contact the benefits coordinator for your employer or the HR dept. they will be able to provide you with this information. Read More
Workers compensation is an insurance. Your employer pays a premium during each billing period (monthly, quarterly, annually, however frequently) for coverage. This works just like any other insurance business: the insurance company will pay for covered claims. Claims may cause the insurance company to raise premiums if they feel the business has become more of a risk. Read More
If you change jobs and the new insurance is through the same company as the old insurance is there a way to wave the 90 days they make you wait before they give you insurance?
No. Just because it is the same insurance company does not mean it is the same policy when it comes to coverage. Each employer is different in the policies they pick due to the amount of money they can or are willing to spend. Read More
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 Read More
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… Read More
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. Read More
If you change jobs will the new insurance company cover your cancer treatments assuming the new employer provides sufficient coverage?
Yes. For more information see www.SteveShorr.com/hipaa.htm Read More
You should consult with a tax specialist, but generally employer paid disability insurance benefits are taxable. Read More
What happens to the wife's insurance on her husbands group policy of 9 employees if her husband leaves the company or dies?
A group policy with only 9 employees is not required to offer COBRA continuation coverage. The insurer may offer her an individual policy, but they are not required to. She will need to find another health plan -- either on her own as an individual or through her employer. Read More
The new insurance company is asking for proof of prior insurance coverage. Some insurance companys have what they call a "proof of prior" discount. This means that you may qualify for a discount if you can prove you had previous insurance with no lapse in coverage. Be sure to ask your insurance agent for a further explanation. Read More
Yes all caravan insurance policies include contents coverage. But when in doubt, it would be best to contact your insurance agent or insurance company and verify the coverage in your policy. Read More
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. Read More
Which was the first commercial insurance company in the United states to provide private healthcare coverage for injuries not resulting in death?
The Franklin Health Assurance Company of Massachusetts, in 1860, was the first insurance company to provide this coverage. 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
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. Read More
Chubb Insurance Company is located in Canada and offers breakdown coverage. This coverage is great for those that travel and that are on the road often. Read More
If you start a new job that offers insurance do you have to sign up if you already have coverage through your spouse?
No...But you should use it to pay your deductible on the 1st insurance policy. Your Benefits manager will explain. Is it free? Answer It depends on the company you are going to work for... sometimes all employees are required to be on the company's insurance policy to reduce the costs for the entire group, or company. However, usually you can select " deny coverage" because you are on your spouse's insurance. Another added benefit of… Read More
Lightning is covered under Comprehensive coverage, if the vehicle has that particular coverage on it at the time of the incident. If you have that coverage is place, file a claim with your insurance company, and you should be compensated for your loss, minus the deductible. Read More