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Group Employee Benefit Plans/Questions
| Subject | Date Asked | Expert |
| what to do about creditors | 12/28/2011 | Jason T. Andrew |
| Q: I have a small busines and had United American health insurance 2 1/2 years ago when I had to use ... A: Overall I think that you need to discuss this with an attorney as it would be out of my area of ... | ||
| Pre-Employment and Annual Physicals | 11/8/2011 | Shirley McAllister, CPP, PHR |
| Q: I work for a medical services company in NY. We ordinarily require annual health assessments of our ... A: I would suggest you find an affiliation with a good clinic that has a good Occupational Medicine ... | ||
| long term disability | 10/8/2011 | McGuire |
| Q: my wife is going on long term disability which is an employee provided plan as part of her ... A: sometimes these plans offer lump sums, "Critical Illness option pays a one-time, lump sum benefit -- ... | ||
| Different open enrollment periods for husband & wife | 6/29/2011 | Jason T. Andrew |
| Q: Currently, the school district I work for is in open enrollment. I would like to change from my ... A: Sounds like the HSA will be a good option for you. I am not aware of any medical plans that require ... | ||
| profit sharing/401K | 6/20/2011 | Shirley McAllister, CPP, PHR |
| Q: I worked for a small Cardology practice in KY, We were recently bought out by the area hospital, ... A: You should receive quarterly statements from the 401K administrators as long as you have funds in ... | ||
| Group Health insurance | 5/14/2011 | Jason T. Andrew |
| Q: Jason: Can non employee board of director members be included in a company's group health plan? If ... A: Typically not under most fully insured health plans. However, in a self-funded arrangement and/or in ... | ||
| medical leave | 5/14/2011 | McGuire |
| Q: I am currently on a few weeks of medical leave to adjust my medications, as I am Bi-Polar. I also ... A: I'm sorry about your situation. I would look for someone on this site under human resources or ... | ||
| COBRA billing errors | 4/21/2011 | Shirley McAllister, CPP, PHR |
| Q: Ms. McAllister: I am a former employee of a large retailer and receiving COBRA benefits since ... A: I would only suggest that if you cannot get any help from the benefits center you call the ... | ||
| Motivation Concepts | 4/15/2011 | Shirley McAllister, CPP, PHR |
| Q: Many people around the world believe that U.S adults live only to work. Do we really work that much ... A: Well for one I have experienced no drop in tax rates in my income. If the federal rates drop than ... | ||
| Motivation Concepts | 4/9/2011 | Shirley McAllister, CPP, PHR |
| Q: Many people around the world believe that U.S adults live only to work. Do we really work that much ... A: I don't know who contributed these figures but no employees in my company nor in any company I have ... | ||
| Opt spouse off Benefits Plan | 3/23/2011 | Shirley McAllister, CPP, PHR |
| Q: First I'd like to Thank you, for taking the time to answer our questions! I find them very helpful. ... A: He does not have to enroll through your work if he has his own medical coverage. You should have the ... | ||
| Employer deducted wrong amount | 3/14/2011 | Shirley McAllister, CPP, PHR |
| Q: About 8 months ago, my health insurance premiums went up. There was a yearly update, as well as the ... A: If it is truly owed and due have them detail it out so you can see the amount due each month that ... | ||
| Question from the Television Show Drop Dead Diva | 2/28/2011 | Jason T. Andrew |
| Q: Mr. Andrew. My name is Jon and I'm a researcher for a legal drama on Lifetime Television called Drop ... A: At first I wasn't sure if you were serious, then I did some research and found your firm :) I wish ... | ||
| health insurance post termination..employee paid portion | 2/25/2011 | Shirley McAllister, CPP, PHR |
| Q: I was terminated from my position less than a week ago. I had group health/dental coverage through ... A: If you have paid your insurance for the current month it should be good until the end of the month. ... | ||
| United Healthcare Vision | 2/24/2011 | Shirley McAllister, CPP, PHR |
| Q: The company I work for has signed us up with United Healthcare for insurance or we can have a Health ... A: If you are under the section 125 Cafeteria Plan you may only cancel insurance you have selected in ... | ||
| group insurance | 2/12/2011 | Jason T. Andrew |
| Q: My name is Bea and my husband is going for an interview for a new job. Right now we have health ... A: It depends and would need more information to adequately answer for you. However, group health plans ... | ||
| Disability Insurance | 1/21/2011 | McGuire |
| Q: I'm 56, an independent contractor and interested in getting disability insurance. This is especially ... A: If you buy a disability policy it works kinda like auto insurance ....you must get it BEFORE you ... | ||
| Disability Insurance | 1/21/2011 | Shirley McAllister, CPP, PHR |
| Q: I'm 56, an independent contractor and interested in getting disability insurance. This is especially ... A: This is done through a private insurance company. We work with Guardian insurance for our short and ... | ||
| Disability Insurance | 1/21/2011 | Jason T. Andrew |
| Q: I'm 56, an independent contractor and interested in getting disability insurance. This is especially ... A: I can email you a couple of documents (not with the intention of endorsing any specific company, but ... | ||
| benefits | 1/20/2011 | Shirley McAllister, CPP, PHR |
| Q: During my employer's open enrollment period, I added vision insurance and increased my flexible ... A: The HR representative could talk to the insurance company and cite an administrative error and have ... | ||
| 125 cafeteria plan | 1/5/2011 | Shirley McAllister, CPP, PHR |
| Q: I have someone who would like to drop their spouse's insurance coverage and we are outside our open ... A: Yes, if he signed up for the insurance as long as you are paying it to the insurance company and he ... | ||
| Cancelling my insurance through work to get on my wifes insurance. | 12/31/2010 | Shirley McAllister, CPP, PHR |
| Q: I just recently got married 10/10 and my wife is starting a new job where they provide very good ... A: Getting married is a life changing event. Also each year you should have open enrollment for the new ... | ||
| opt out of medical coverage benefits? | 12/30/2010 | Jason T. Andrew |
| Q: My employer provides group coverage for all 5 employees, I spoke to my employer a about trading ... A: I am not an HR specialist nor can we give legal advice so it may be best to consult an expert in ... | ||
| Health insurance Pp | 12/15/2010 | Jason T. Andrew |
| Q: For the past few months I've been paying into a group health insurance of 28.31 weekly totalling ... A: If you had been covered during that time you would have been charged the $500. You may not have ... | ||
| domestic partner coverage | 11/23/2010 | Shirley McAllister, CPP, PHR |
| Q: I currently work for an employer who offers health insurance to my domestic partner. Our company ... A: This depends on what insurance company covers the company and their rules. It also depends on the ... | ||
| Out of pocket vs. Insured surgery | 11/21/2010 | McGuire |
| Q: Back in 2003, I was hit by a car and broke my right tibia and an intramedullary nail was installed. ... A: Your right about the pre-existing conditions. The discounted rate applies to the things that are ... | ||
| Double Insurance | 11/4/2010 | Shirley McAllister, CPP, PHR |
| Q: I've been on my husband's insurance for years. I'm now about to go back to work where they offer ... A: It would depend on your company whether or not you can opt out of the insurance. Some insurance ... | ||
| Medical Cost Responsibility | 11/3/2010 | Shirley McAllister, CPP, PHR |
| Q: If I add my 23 year old stepson (would be covered until 26) to my health insurance plan, would I or ... A: He would be covered as a dependent under your plan you would pay the premiums. Because you are the ... | ||
| Health Insurance | 10/29/2010 | Jason T. Andrew |
| Q: I just started working for a small business and will be eligible for insurance at the first of the ... A: Yes, you can always opt out. If your employer has a section 125 plan and/or wants to pay for your ... | ||
| HEALTH INSURANCE | 10/24/2010 | Shirley McAllister, CPP, PHR |
| Q: Do you have any experience with UNITEDHEALTHCARE MEDICAL PLAN? UNITEDHEALTH will begin administering ... A: I do not have experience with United Healthcare Medical Plan. We use Regence Blue Shield. I did ... | ||
| HEALTH INSURANCE | 10/24/2010 | McGuire |
| Q: Do you have any experience with UNITEDHEALTHCARE MEDICAL PLAN? UNITEDHEALTH will begin administering ... A: United is a big company with a good reputation. They have a website. I am assuming the company you ... | ||
| Dual enrollment | 10/20/2010 | Shirley McAllister, CPP, PHR |
| Q: Is it legal to have medical insurance thru two companies? My employer's insurance open enrollment ... A: It is legal to have medical insurance with two companies. You will be double insured. One company ... | ||
| Cobra and High Deductible Medical Plans | 9/16/2010 | Shirley McAllister, CPP, PHR |
| Q: Our company went to a high deductible medical plan last year. How should COBRA be administered for ... A: The deductible amount is part of the insurance. All insurance plans have a deductible. Because yours ... | ||
| Cobra and High Deductible Medical Plans | 9/14/2010 | Shirley McAllister, CPP, PHR |
| Q: Our company went to a high deductible medical plan last year. How should COBRA be administered for ... A: You should be able to obtain cobra rates from your insurance company. It is usually 110%. This means ... | ||
| Pre-Tax Insurance Premiums | 7/13/2010 | Shirley McAllister, CPP, PHR |
| Q: At my place of employment, I can have my insurance premiums deducted pre-tax. Should I do this? I ... A: It is true the amount of your insurance will not be taxed for social security. If you wish to put ... | ||
| Pre-Tax Insurance Premiums | 7/13/2010 | Shirley McAllister, CPP, PHR |
| Q: At my place of employment, I can have my insurance premiums deducted pre-tax. Should I do this? I ... A: I recommend you have the insurance benefits pretaxed it is taken off before you pay any taxes so you ... | ||
| HSA + Dental Coverage Through Spouse's Plan | 5/25/2010 | McGuire |
| Q: I am currently enrolled in an HSA and HDHP through my employer. I am also covered through my ... A: Yes, you may withdraw funds to pay for the qualified medical expenses of yourself, your spouse or a ... | ||
| Supplimental Accident Insurance | 5/18/2010 | McGuire |
| Q: My employer is offing us the opportunity to buy Accident Medical Insurance from American Fidelity ... A: I don't know much about this specific policy I can provide basic general info. 1. If another co. ... | ||
| I am refused benefits | 4/9/2010 | McGuire |
| Q: I have been refused benefits from my employer. I work full time hours now for over 1 year but he has ... A: I think that you should take your pay stubs or whatever you have showing that you are full time and ... | ||
| I am refused benefits | 4/9/2010 | McGuire |
| Q: I have been refused benefits from my employer. I work full time hours now for over 1 year but he has ... A: Wow. it's never good when the employer lies about your hrs. Tough situation because if you push it ... | ||
Group Employee Benefit Plans
Answers by Expert:
Shirley McAllister, CPP, PHR
Top Expert on this page
Expertise
I can answer questions about Benefits plans, Health and Retirement, Erisa, Hippa, Cafeteria 125, Cobra and 401K. I cannot answer questions about stock option plans or other retirement plans.
Experience
I have been 25 years with my current International company. I am the Health Plan benefit administrator and I am also the Retirement Plan Trustee. I am the Human Resource Director.
Organizations
SHRM
APA
Publications
I.O.M.A.
B.N.A.
Education/Credentials
PHR in Human Resources
CPP in Payroll
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