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Can an employer force an employee to show qualifying event to drop coverage?
No, an employer cannot harass their employees into dropping coverage. It is not the employers business to get involved in the personal insurance details of their employees.
What is the qualifying event for enrolling in employer-sponsored health insurance?
The qualifying event for enrolling in employer-sponsored health insurance is typically when an employee first becomes eligible for coverage, such as when they start a new job or during the annual open enrollment period.
Can an employer suspend health coverage if the employee pays part of premium?
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.
Can an employer deny coverage to spouse who has lost health insurance?
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.
Does my employer have to offer COBRA coverage?
Yes, under federal law, employers with 20 or more employees are generally required to offer COBRA coverage to eligible employees and their dependents when they experience a qualifying event that would result in a loss of health insurance coverage.
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.
How to elect COBRA coverage after experiencing a qualifying event?
To elect COBRA coverage after a qualifying event, you must notify your employer within a specific timeframe and complete the necessary forms. This allows you to continue your health insurance coverage for a limited period after losing your job or experiencing another qualifying event.
How can an employee drop the health insurance provided by the employer?
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 will see a contract written at 99% even though the employer actually pays all of it just for that reason.
Does an employer have to offer COBRA coverage to employees who are eligible for it?
Yes, under the Consolidated Omnibus Budget Reconciliation Act (COBRA), employers with 20 or more employees are required to offer COBRA coverage to eligible employees who experience a qualifying event that would result in a loss of health insurance coverage.
Does an employer have to provide health insurance to your spouse?
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.
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.
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.
