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| Has anybody purchased life insurance through Bank of America? I signed up around December '07 and saw the first debit in my bank account even though I had received nothing in writing from them. ... |
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 Does car insurance cover damage done my hitting a cyclist? |
| Hi, My brother was recently hit by a lady when going around a round about. He was obeying all road rules but she did not se him when she entered the round a bout. He has no personal injures besides ... |
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 Cost of USA medical insurance? |
I am moving to the USA with my husband and am wondering how much it would be for me on my own and for us as a couple. Do most people have insurance?
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I only want to be ... |
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 9-11.....Did you know that most of the people? |
THAT DIED FROM THE TERRORIST ATTACKS DIDN'T GET COVERED BY THEIR LIFE INSURANCE COMPANY?
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RELAX!!!!!
I asked this question the wrong way!!
It does sound ... |
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Looking for Total Sq footage of living area of house. Living area includes what space in house? Basement would not be included?
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house fire 10/2005 INDIANA still have no insurance settlement
help somebody help! I live in my car. my business & my home are both gone. lawyers have taken my remaining cash and have done ... |
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| ANY CLASS ACTION LAWSUITES AGAINST GEICO? |
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Bad faith practices such as dragging out claims and refusals to pay claims for theft and damages to vehicles. My car was stolen in june of this year and they have ... |
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zeroxero3 | What happens when an employee's FMLA time runs out and they are unable to work? |
A fellow worker has had heart surgery and is off on FMLA leave because our company does not provide sick time. The company is trying to revoke his insurance because he has not worked the requisite amount of time (per month) to qualify for insurance. They are telling him that he can continue coverage through COBRA, but COBRA is for employess that resign or are fired. He has neither resigned nor been fired. What are his options? What are his rights under Michigan law? Can the employer drop coverage to an employee out on medical leave with a serious medical condition?
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Note during the Medical leave by law his insurance cannot be dropped. |
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Dan
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Under FMLA, he still gets the regular health plan and doesn't need to meet the minimum hourly requirements (see the plan document which must be provided to him. It is under the FMLA section.
After he exhausts his FMLA, then he qualifies for COBRA. He can get coverage through COBRA because he has had a "Qualifying event." COBRA is expensive though. At this point, he can be terminated from the plan for not meeting the minimum work hours provision. If he can't work after exhausting FMLA, he is unemployed, so he may be able to qualify for Medicaid and unemployment insurance, and apply for disability income as well. |
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Brian G
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COBRA insurance coverage is for any employee that loses their insurance, not just those who leave the company. If the company's policy states that an employee must work a certain number of hours to qualify for the insurance, they may cancel his coverage when he is not working. The FMLA only protects his job for twelve weeks. After that, he may be terminated if he is not able to return to work. |
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mbrcatz
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Well, if he can't work, they're terminating him. He's NOT a current employee, and isn't entitled to health insurance if he isn't working the required 30 hours a week.
Cobra is his main option.
The employer doesn't get the option of "dropping" a non-working employee - the INSURANCE company requires that in order for them to be eligible for group coverage, they work usually 30 hours a week minimum.
Yes, this is legit. |
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Curious
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It is true - COBRA is not only offered in the event that an employee resigns or is terminated. COBRA is offered to any one who has had what's called a "qualifiying event" when they lose their insurance. In this case, he doesn't have to lose his job to lose his insurance. If he is not meeting the minimum number of hours worked to be covered by the employer health plan, then technically they can cancel coverage - and offer COBRA. It wouldn't be prudent for a company to continue to pay health premiums on an employee who may not even return to work due to health reasons. It's sad to see someone lose coverage in the middle of all the chaos of major heart surgery - but business is business (at least that's the way most employers see it). Most employers pay all or a portion of health premiums as a perk for being a full-time employee, or at least close to full-time. That's why they're called benefits - it's definitely not owed. FMLA is 12 weeks of JOB PROTECTED leave....once that runs out it's at the discretion of the employer as to whether or not they want to hold his position - they don't have to. Best of luck. |
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straight talk
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COBRA is not just for terminated employees. It is for people like your fellow worker, too. Cobra is probably his only option. Most health insurance companies won't give health insurance to someone in his position if he tried to get it outside of COBRA.
Health benefits are part of your salary and if you aren't working and the employer doesn't have paid leave you are out of luck in most cases.
Several people a year working for my employer end up having to get their coverage through COBRA when they are on FMLA for long periods. It doesn't seem fair, but that is the way life is sometimes. |
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Custo
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It is, unfortunately, the way things work... Tell him to try applying for disability. If he feels he'll be able to return to work soon, tell him to speak with HR, maybe they'll let him have his job back. Either way, he's going to be paying for COBRA once the plan terminates. Like I said, call social security, and start the process of applying for disability. good luck |
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