Yes. There is no legal obligation for your employer to offer health insurance unless you have a labor agreement through your labor union that requires it.
If both policies are with the same company, and if you or your employer pays the premiums on them, then yes, they both pay. That is actually common; quite often the husband's insurance through his employer is through the same insurance company the wife's job has.
There are many places where one could get travel insurance if they were pregnant. The best place where one could get travel insurance would be through a travel agency.
Yes, and it's recommended to add supplemental disability insurance to cover closer to 100% of your income. If you have disability insurance through your employer, your benefit will be capped at 66% of your income. The benefit received from a group disability policy (through your employer) is taxable. Supplemental disability insurance benefits are not taxable. You can add Catastrophic rider on an individual disability insurance policy, to cover up to 100% of your income in combination with your existing employer group DI.
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.
Every New Jersey resident has the right to health insurance. Students must decide if they will apply privately, through the government, or through an employer.
Your insurance through your employer is your primary insurance, and your spouse's primary insurance is through his/her employer. If both husband and wife are insured on both insurance policies, then you have primary and secondary coverage. But you will still have to pay any deductibles and co-pays before either policy will pay. The deductible is the amount you first have to pay (usually at the first of the year) before the insurance will pay anything. The co-pay is your percentage of what the insurance doesn't pay, which for many health insurance companies is 80% for them and 20% for you. There is sometimes a co-insurance that you have to pay also. Ex: Insurance companies have a set amount that they pay for any office visit, procedure, etc. If the bill is over what the insurance pays, then you are responsible for the balance.
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.
A private health insurance plan is one that you pay for yourself and covers you and your family. It is possible to have health insurance through your employer and private insurance at the same time.
Yes. It may be a hassle, but it is important to choose the best coverage at the least cost for your family.
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.
No, it is not legal. Any money that an employer takes from your paycheck for a benefit must be used to purchase the benefit. ERISA, a federal law, prohibits an employer from using employees' money for any other purpose.
Anyone who can afford the payments can apply for HMO insurance. Many people can apply for HMO insurance through their employer. People can even get HMO insurance themselves and be self-insured.
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.
HMO medical insurance is insurance that is through the employer. It means they will only pay for certain things, and certain doctors as well. You can get a list, and doctors decide what qualifies.
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.
If a person does not have a job, or if their job does not provide health insurance, then the person might choose to buy private health insurance. It is usually less expensive to purchase health insurance through ones employer, but part time, contingent or contract personnel might not qualify for insurance through their employer. It is a good idea to have medical insurance at all times because illness or injury can strike any time and can rapidly become very expensive.
The most common way to get medical and dental insurance is through one's employer. However, one can also get medical and dental insurance directly from many insurance companies by going to their website or calling them.
Your individual disability insurance policy is portable and benefits will not be affected by moving to a different state. If you have disability insurance through your employer, and move in a new state while working for the same employer, benefits will not be changed. However, if you leave your employer, you may lose the disability insurance benefits through a group DI policy. If you are currently disabled and are receiving disability benefits from the state, you will have to check with the new state regulations on social security DI; If you are receiving benefits through a personal/ individual insurance policy from an insurance company, then benefits are not going to be affected by the state of residence.
the cost of health insurance provided through your employer
The first place to check is with one's employer. Employers sometimes offer these policies at much lower prices than can be found individually. If one's employer does not offer life insurance, affordable life insurance can be found through quote sites such as Select Quote and Insurance Services Online.
The cheaper way would be to find a job and buy insurance through them, but there may be a waiting period. You can also buy independent insurance for yourself without going through your employer but it is VERY expensive.
Individual Policies are better. The employer can't cancel it. You can take it with you to a new job.
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 with up to 65% of their health insurance through COBRA, the ex-employee is fully responsible for the full cost of the insurance - the employer has no responsibility to pay.