According to my life insurance company, the "Living Needs" benefit will only come into play if one has 6 or less months to live. How does this assist one who is living with a terminal ...
I have been shopping online for medical insurance for my in-laws. But none of the plans that I saw covers existing conditions like diabetes. They are 60 years of age. Once they start working after 2 ...
I had planned to insure it with allstate which is who my car is insured by, do i have a certain amout of days to get it insured, were they cover it?...
I do not have receipts and I do not have video but I do have pictures of the items (from various things). Can I use this for my claim? I had pipes freeze and burst and the items were damaged but I ...
In March of this year I was rear-ended by a small sports car. I had just started pulling off from a red light (going about 15mph) The police estimated his speed was around 65mph (in a 45 mph zone) B...
My Fiance and I are getting married in a few weeks... I have been on my parent's health insurance since I have been a full-time student, but I understand that after I get married I won't be ...
I live in Texas and I work 24 hours and sometimes 40 when I get to have overtime I take care of my children on the weekdays and work on weekends Iam trying to find a health insurance that will either ...
Does anyone know where i can get good health insurance in florida. I hane been living here for the past 7 years and i had BCBSF before, it helped alot but i really could not figure out the deductible,...
I'm terrified and superstitious, and though this person has been mean to me several times, I am quite fond of him. He's not likely to die anytime soon, but does live rather irresponsibly ...
I received a colposcopy and a cervical biopsy I was under the impression that these were preventive screening and I would not have to pay anything. Is there a way to get my money back from either ...
I got a letter from my health insurance carrier saying my coverage was being terminated as my employer did not pay the premium for the last three months. However, They have taken the premium's ...
I work in a small family business as a volunteer. Can I participate in the health insurance plan offered through the business even though I don't receive a paycheck?....
Will home owner's policy pay out if I did not obtain permits when remodeling my basement? Will I have problems selling the house?...
Denise K
Is it legal for a company to refuse to put a spouse on health insurance?
Is it legal for a company that you work for to refuse to put your spouse on your insurance if they are able to get their own insurance at the company they work for?
A company can require the spouse to take their employers insurance if the company self funds their own insurance. They can even charge a surcharge if your spouse elects your coverage when they can get their own coverage through their own employer.
If however it is a fully insured plan then it is not legal.
Self funded insurance does not have to follow the same guidelines as fully insured groups.
Custo
Absolutely. Its legal, & becoming more & more common. Its actually best for everyone, in the long run, for your employer to cover you & your spouses to cover them.
mbrcatz
Yes. They aren't required to provide health insurance for employees. If they do, they aren't required to provide coverage for spouses or kids. If they do THAT, they can refuse to provide coverage if your spouse has access through their employer, or charge a much higher premium for that spouse.
And they can require that your spouse/kids be a tax dependent on your federal taxes, in order to qualify for their plan.
sarah314
Yes, if it is stipulated in the benefit plan and the same rules apply to all employees of the same classification.
Many companies require that a spouse get coverage through their own employer if available.
My own employer requires that spouses take insurance through their own employer if available for less than $120 a month. My employer allows us to enroll a spouse for secondary coverage, but they must enroll through their own employer for primary coverage (if available for less than $120/month for the individual employee).
I still keep my husband on for secondary coverage, since I'm already paying for family coverage for the kids anyhow.
Phil
A company doesn't have to provide health insurance. What would make you think the law would require coverage for a spouse.
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