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.
No. Only your Spouse. No other family member can use the discount.
Yes. Most employers that offer insurance benefits (with either premiums fully paid by employer or partially paid by employee) will offer alternative plans. That is, the employee may generally select coverage for him/herself only, coverage for him/herself plus spouse/domestic partner or coverage for an entire family. There is generally a higher premium charged for the family plan (which includes a child). However, it is often the case that once the family plan is selected, several children can be covered for no additional premium.
no
That is up to the healthy spouse and family to decide.That is up to the healthy spouse and family to decide.That is up to the healthy spouse and family to decide.That is up to the healthy spouse and family to decide.
No. Only a spouse or dependent children.
That depends on what you mean by "on" the spouse's health insurance plan. Most employer-sponsored plans, subject to Federal and/or state law, do not permit a spouse to be carried after divorce as part of the employee's family coverage. However, under Federal and most state laws, a former spouse ineligible for coverage on any other employer-sponsored plan is entitled to continuation coverage for a period of 36 months after divorce, similar to the coverage a terminated employee is entitled to have for 18 months, provided the former spouse pays the premiums -- including the employer's "share" or subsidy of an employee's premium. Bottom line: You can continue to be covered by a spouse's plan -- but as a separate participant with an additional, and usually very big, premium. This answer does not constitute legal advice. To obtain legal advice, consult with an attorney. This is especially important in divorce and family law matters, in which outcomes are often peculiar to the particular facts and circumstances of the case. Neal J. Meiselman, Meiselman & Helfant, LLC, 29 Wood Lane, Rockville, Maryland 20850, www.meiselmanandhelfant.com, 301-279-8840
Typically, if a person is insured under a company's group insurance plan it is up to the company as to how much of the premium the company wants to pay toward the employee's insurance. If the employee has a spouse it is also the choice of the company as to how much, IF ANY, the company will pay toward the spouse's premium. The company is not required to pay anything toward the cost of the spouse or children. In many cases, the spouse and children. or more precisely, the employee him/herself. must pay the additional premium.
That will depend greatly on the situation. For purposes of some benefits (for example, discounts from automakers for an employee's mother-in-law) she is considered immediate family. Most hospitals would consider her immediate family, particularly if she is with the spouse. In many legal matters, she is not considered immediate family.
If you and your divorced spouse have children, then you can add the word (divorved) to the spouse's entry. Many computer programs that make family trees provide a field to indicate a divorce. If you have no children with that spouse, you can leave the spouse off the tree if you want.
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.
u may sue if under these conditions:* for the birth and care of the newborn child of the employee; * for placement with the employee of a son or daughter for adoption or foster care; * to care for an immediate family member (spouse, child, or parent) with a serious health condition; or * to take medical leave when the employee is unable to work because of a serious health condition.
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.