| Subject | Date Asked | Expert |
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| Can my employer deny coverage for my spouse when we are seperated? | 11/20/2009 | McGuire |
Q: My spouse and I are separated (although not legally); and my employer will not provide him with ...
A: Yes, that is correct. A spouse, who lives with you, is filed on a joint tax return for proof. ...
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| Employer to only cover spouse if their employer does not provide insurance | 11/14/2009 | McGuire |
Q: Due to costs, I currently have insurance through my wife. In the open enrollment meeting for 2010, ...
A: Yes they do. An employer offers group health insurance as a BENEFIT to the EMPLOYEES of the company. ...
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| Health coverage for one employee | 10/21/2009 | McGuire |
Q: I asked a question somewhat related to this topic about a month ago and you were very helpful. ...
A: HERES SOME SUGGESTIONS: CHOICES:1 GET HIM ON A GROUP.2.INDIVIDUL PLAN.3. OR SELF INSURE. ...
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| Blue Cross Cancelation | 10/14/2009 | Shirley McAllister, CPP, PHR |
Q: my company wont let me cancel my Blue Cross insurance and they say I have to pay every week until ...
A: Unfortunately open enrollment is only once a year. Once you are enrolled, than you are enrolled for ...
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| Health Insurance | 10/6/2009 | McGuire |
Q: A good friend had a 4-day hospital confinement in December 08 to be billed to Aetna self-insurance ...
A: Okay your going to have to fight this. Try to find out who the broker was on that policy. ( who sold ...
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| Group benefits | 10/3/2009 | McGuire |
Q: I am a military contract worker in Fort Bragg NC. The company I work for just recently was awarded ...
A: Health and Welfare requirements in government contracts? The spirit and intention behind providing ...
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| Am I comitting a fraud? | 9/21/2009 | Shirley McAllister, CPP, PHR |
Q: My wife and I have been divorced for 8 years. I have kept her on my companies family health ...
A: If it is uncovered her insurance would be cancelled and you would not be allowed to put her back on. ...
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| Small group health - eligible employees | 9/11/2009 | McGuire |
Q: A small non-profit wishes to cover only one of its ten employees. To qualify, they must have at ...
A: EMPLOYEE PARTICIPATION: California medical insurance companies REQUIRE that at least 75 percent of ...
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| Terms of Insurance | 8/19/2009 | Shirley McAllister, CPP, PHR |
Q: Upon employment with a placement office, I was given the summary of health and dental benefits. My ...
A: You can call and talk to your local Department of Labor. They would be the agency enforcing ...
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| Cobra Payments | 7/30/2009 | Shirley McAllister, CPP, PHR |
Q: I was involuntarily separated from my employment and have opted to continue health coverage via ...
A: I would call your insurance company with whom you have coverage and find out if the premiums have ...
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| Forced into getting health insurance thru my job | 7/21/2009 | Shirley McAllister, CPP, PHR |
Q: I declined the medical insurance offered by my job (small company, about 10 employees) since I have ...
A: Small employers are often faced with the problem of trying to purchase affordable insurance for ...
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| My husband has refused coverage for me | 6/30/2009 | Shirley McAllister, CPP, PHR |
Q: My husband has not included me in his health insurance policy at his job for over a year. I found a ...
A: You do not have to cover a wife or husband under your insurance policy. Children must be covered if ...
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| Cafeteria 125 Plan | 6/4/2009 | Shirley McAllister, CPP, PHR |
Q: My company offers the cafeteria 125 POP plan to employees. I take care of the health and dental ...
A: A qualifying event would be coverage lost by the spouse, It would also be spouse eligible for ...
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| Cafeteria Plan 125 | 5/18/2009 | McGuire |
Q: We have an employee whose spouse began employment 2 months ago. However, the spouse just became ...
A: Okay two different things here. Commencement of employment is one thing. Becoming eligible for the ...
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| group health insurance | 5/17/2009 | McGuire |
Q: my spouse was enrolled in a non major medical health plan Jan.'09 through Apr.'09 which she ...
A: Since i'm not really an expert in the tax area of this question I would like to suggest you take a ...
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| health insurance | 5/5/2009 | McGuire |
Q: i am enrolled in a insurance program thru work.i was on vacation when time came to renew or drop my ...
A: Thereas, Thank You! Please check uder the Labor Law section here at AllExperts for the giving away ...
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| health insurance | 5/4/2009 | McGuire |
Q: i am enrolled in a insurance program thru work.i was on vacation when time came to renew or drop my ...
A: Open enrollment happens once a year usually at the same time each year. Most plan providers won't ...
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| FSA | 4/28/2009 | Shirley McAllister, CPP, PHR |
Q: I am enrolled in my employer's Medical FSA. Mid-year they decided to cancel our dental coverage. ...
A: You would have to look at how the plan is written. Generally no changes may be made midyear to the ...
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| medical questions by third party | 4/1/2009 | Shirley McAllister, CPP, PHR |
Q: My husband was out of work for surgery. This was not filed as workmans comp. He has now returned to ...
A: The company cannot ask for medical information as it is HIPPA protected. Third parties also cannot ...
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| Cafeteria Plan Qualifying Events | 3/30/2009 | Shirley McAllister, CPP, PHR |
Q: We have an associate with family medical and dental coverage. Their spouse had a qualifying event ...
A: Most generally coverage starts at the beginning of a month and ends at the last day of the month. ...
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| Flexible Spending Accounts | 3/20/2009 | Shirley McAllister, CPP, PHR |
Q: For 2009, I committed $3,640.00 to my employer sponsored flexible spending account. On 2/13/09, I ...
A: You can elect the Fexible spending as one of your cobra electives. You will have to continue to fund ...
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| Life Insurance | 3/12/2009 | McGuire |
Q: I am a 64 year male old veteran. I am in great shape with no problems, can I still get life ...
A: You would have to qualify for life insurance. You can look online under life insurance for rates and ...
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| health insurance waiver | 3/10/2009 | Shirley McAllister, CPP, PHR |
Q: Shirley - I do not take the health benefits through my employer as I am covered under my husband's ...
A: Yes it is mandatory, Horizon has told your company that that information must be provided for each ...
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| health insurance waiver | 3/10/2009 | Shirley McAllister, CPP, PHR |
Q: Shirley - I do not take the health benefits through my employer as I am covered under my husband's ...
A: It is a federal guideline called Coordination of benefits. There are a lot of new insurance ...
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| copay | 3/10/2009 | McGuire |
Q: If i have understood correctly, i have been told that if we were to request or need to consult the ...
A: The way I understand this to work is that if you see your doctor again and it is the SAME DAY, then ...
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| Employee Group Health | 3/6/2009 | Shirley McAllister, CPP, PHR |
Q: My wife teaches at a public school and is offered group health insurance as part of her benefits ...
A: Whether or not the insurance premium is pre tax or after tax depends on how the School has the ...
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| FMLA qualifying reason | 3/3/2009 | Shirley McAllister, CPP, PHR |
Q: I am soon to be grandma and a full time employee for more than 3 years. Am I eligible to use Family ...
A: This is not at this time an acceptable use of FMLA unless it is a serious medical condition to where ...
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| co-pay | 2/15/2009 | Shirley McAllister, CPP, PHR |
Q: Can my daughter's Pediatrician bill me for a co-pay they state was never paid a year ago? The ...
A: Most insurance companies will not pay after 90 days. I would tell the pediatrician he is not getting ...
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| COBRA Limitations | 2/1/2009 | Shirley McAllister, CPP, PHR |
Q: I was covered by COBRA insurance for the full eligible term after leaving my last job. If I get a ...
A: You can be covered by Cobra each time you lose insurance coverage due to losing insurance coverage. ...
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| health insurance benefits | 1/28/2009 | Shirley McAllister, CPP, PHR |
Q: My employer offers health insurance - how do I know whether or not I qualify? Is it just based on ...
A: Your employer sets the qualifications. You should have an employee handbook or a policy with the ...
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| Co-pays and billing fees | 1/14/2009 | Shirley McAllister, CPP, PHR |
Q: A doctor recently told my daughter that they would bill her the co-pay. The EOB came back from ...
A: The group health insurance needs to call the provider and tell him that he cannot charge that fee ...
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| Medical Benefits subject to insurability at standard rate | 1/3/2009 | Shirley McAllister, CPP, PHR |
Q: My husband recently accepted a salaried position with a national retail store. Before he was hired, ...
A: It says subject to insurability. There is always a probationary period before you are covered under ...
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| Employee pre-tax health insurance payments | 12/22/2008 | Shirley McAllister, CPP, PHR |
Q: My husband is the only employee at a small firm and he pays 20% of his health insurance. The company ...
A: It is not required that the company take the insurance payment pretax nor is it required that they ...
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| Termination of group health care plan | 12/16/2008 | Shirley McAllister, CPP, PHR |
Q: I have a client that can no longer afford to provide health care benefits for their employees and ...
A: The company with a 3 person office should give 30 days notice. Cobra does not cover employers with ...
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| Health Insurance & just fired from job... | 10/14/2008 | McGuire |
Q: My husband was let go from his job last Friday, Oct. 10th. I already have surgery scheduled for Oct. ...
A: cobra would be your only option other than social insurance. a new insurance policy would exclude ...
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| Termination of group health benefits | 9/15/2008 | Shirley McAllister, CPP, PHR |
Q: I live in Chicago Illinois. My question is regarding termination of health benefits under a group ...
A: I know of no law that says a company must keep a former employee on the insurance if someone is ...
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| Supplemental education fund | 9/9/2008 | Shirley McAllister, CPP, PHR |
Q: The company's new CEO would like to offer a supplemental education fund to the employee's benefit ...
A: This would be called Educational Assistance. It is explained on page 9 of publicatin 15B and it is ...
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| Question about employee health insurance | 9/2/2008 | Shirley McAllister, CPP, PHR |
Q: The company I work for is a signatory to a union. All of the employees are union except for the ...
A: The owner of the company is always covered by the company, that is a given with any company. The ...
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| Employer offered Health Insurance | 8/16/2008 | Shirley McAllister, CPP, PHR |
Q: If an employer offers health insurance to one employee, are they under the obligation to offer the ...
A: The employer should offer health insurance to all employees if it offers health insurance to one. It ...
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| No Short Term Disability even though it's indicated in the employee handbook??? | 7/25/2008 | Shirley McAllister, CPP, PHR |
Q: I have an issue with my present employer. As of July 14th, 2008 I have been under a neurosurgeon's ...
A: Gina, The first thing you should do is contact Human Resources. That is why it is called Human ...
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