Whether or not your employer needs to provide you with health insurance while you are off on workers comp is a very complicated question to answer, and one you are going to need a lawyer for. While many states, including Alabama, Alaska, Colorado, Connecticut, Florida, Kansas, Maine, Rhode Island and Washington DC have laws mandating that employers either pay for health insurance for workers comp employees or compensate for lost health insurance benefits along with lost wages, ERISA or the Employee Retirement Income Security Act of 1974 preempts these state laws. Thus, you will need to determine if you and your employer are covered by ERISA.→ Read More
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Employer-provided health insurance does not always have to cover step-children, even though policies may generally cover biological and legally adopted children. Employer-provided health insurance only needs to cover those people that it specifically states it will cover, based upon company policy, employer plans, and state laws. When someone pays for “family coverage,” that coverage is necessarily based on a definition of “family” of legal relationships, such as those of blood, marriage, or adoption. If someone does not meet those specific definitions, they may not be covered by insurance, even if they are part of family” by modern —though non-legal —definitions.→ Read More
What happens to money you’ve spent toward a deductible on your health plan when your employer changes plans mid year?
Your employer changes health insurance plans mid-year, what happens in regards to payments you’ve made against the deductible on the existing plan?→ Read More
Is a business required to provide medical, life and similar insurance coverages for its employees?→ Read More
What to do if your employer doesn’t pay its share of your medical insurance and you have a hospital bill?
While an employer does not have to provide health insurance in the first place, if they do elect to provide insurance, they must pay the…→ Read More
There is no law requiring that employees add their families (including spouses) to employer-provided health insurance. Therefore, while you are married, he does not need…→ Read More
If my employer incorrectly calculated the medical insurance premiums deducted on my paycheck, do I have to pay the employer back?
Yes, you have to pay back your employer for your share of the premiums if they were underpaid for any reason. Insufficient funds were taken…→ Read More
If you pay health insurance premiums to your company, and the company declares bankruptcy – and so does not actually make the payments to the health insurance company – what happens may depend on the type of bankruptcy filed as well as the specifics of your health plan. In general, however, if your company declares bankruptcy, you will have your health insurance premiums paid or you will get a refund for the money withheld from you.→ Read More
As a result of recent increases in unemployment levels, many people are approaching the time when their COBRA or COBRA subsidy is expiring. It is important to have an idea of what to expect when COBRA expires, and what to do.→ Read More
You won’t necessarily lose your health insurance if you are fired or laid off from your job.→ Read More
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