my employer terminated my health

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PostPosted: Sun Apr 12, 2009 9:42 am   Post subject: my employer terminated my health  

my employer terminated my health coverage without any notification, what are my options?


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PostPosted: Sun Apr 12, 2009 12:52 pm   Post subject:   

Is that the case with few more employees or you are the only to suffer this problem? Did you get any clarifications from HR department? Most group insurance coverages are renewed every year. There can be a case due to insufficient funds or else reasons, they were not able to continue? Generally management has some stands in difficult situations. Also, check with your employment offer letter, you will get the clues.

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PostPosted: Sun Apr 12, 2009 3:01 pm   Post subject:   

I'm guessing that there was notification. If so, they should have also offered you COBRA. basically, you'd be paying 100% of the premium cost but you'd need to do it within a short amount of time. These premiums can be quite high.



You could quit and find another job that offers health insurance. Probably your best bet if you need it. Also consider that health insurance was part of your compensation. If they stopped paying for it, they are paying you far less money now.

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PostPosted: Mon Apr 13, 2009 5:44 am   Post subject:   

hey guest....... employer dnt control what coverage u get......it is the company's policy......plz check whether ur company provide health coverage or not .....if yes ....then demand for it.......and if no then nothing can be done......its not a matter of insurance.....it is just related to ur company's policy......chao

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PostPosted: Mon Apr 13, 2009 9:31 am   Post subject:   

During this period of recession, many employers have stopped offering health coverage to the employees as a method of cost cutting. Since the benefits of group health coverage are no longer available you may seek health insurance in the private market. if you are in considerable good health, you wouldn’t find it difficult to manage health coverage with a private insurer.



Remember, that COBRA would allow to stay with the current plan for the tenure of eighteen months and as Tcope has pointed out the cost of the coverage would increase by 100%. So, it’d be wise to begin your search for new insurer before COBRA wears out.

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PostPosted: Mon Apr 13, 2009 9:34 am   Post subject:   

Well, Superagent, it seems that the OP has had health coverage through the employer, which got terminated. Can you illuminate us on what ground a group health plan can get terminated at the middle of the term?

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PostPosted: Mon Apr 13, 2009 12:42 pm   Post subject:   

Rupert .... even i am working in a company and trust me they hold all powers.....and nowadays the insurance plans are so flexible anything is possible...any change is possible with any effective date u want.... and also in this case the policy is not getting terminated any 1 coverage is getting dropped............and at present company's have a very good reason "RECESSION" to do any change to ur policy........may be its wriiten in the contract "POLICY IS SUBJECTED TO CHANGE WITHOUT ANY PRIOR NOTICE"........................................and also rupert may be its the renewal time of the policy when this coverage is dropped....guest never mentioned any date......cocverage can be dropped at the time of renewal if not in the middle of the term

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PostPosted: Tue Apr 14, 2009 4:54 am   Post subject:   

I think you have a point SAgent…we really don’t know whether its done on renewal or not. But it really sounds scary…. the employers holding all the powers to make any changes in your coverage at any point of time. You may realize at the time of need that you don’t have coverage for a certain condition.



How the employees would come to know if there is any change in their coverage? Who would inform them? Whose responsibility is it to keep track of the changes in coverage?



Thanks,

Rupert

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PostPosted: Tue Apr 14, 2009 5:30 am   Post subject:   

As I see it, the concern of the OP is that he received no notification of the termination:



Quote:
my employer terminated my health coverage without any notification, what are my options?




This comment threw me a little:



Quote:
hey guest....... employer dnt control what coverage u get......it is the company's policy......plz check whether ur company provide health coverage or not .....if yes ....then demand for it.......and if no then nothing can be done......its not a matter of insurance.....it is just related to ur company's policy......chao




First off, the employer is the company, and they absolutely control what coverage you get. Confused As well, it's obvious that the company provided health coverage...the OP is complaining that it was taken away without notification! The employee "demanding" that the company is an interesting thought, but is of little consequence.



Here's the deal. Every state has rules that regulate group medical expense plans, except for self-insured plans which are under a different set of rules. It is rare that a carrier can discontinue a group plan without notification, and almost impossible that your employer was not aware of the impending termination if in fact the coverage has actually been terminated and there's not some miscommunication. Termination of group plans is normally due to:



* Non-payment of the group premium. If your employer deducted wages from you and did not pay for the insurance- this is in violation of law.



* The employer discontinued group plans for all employees within the allowances of your state laws and rules. This would absolutely require notification to employees.



* The group carrier ceased offering group plans in the state. Again, this would require notice under law to all affected.



* Misuse of the provider network. This is rare.



Assuming your employer followed rule and law, you should have been notified of any impending termination of your coverage. If you weren't, you'll have to look to your state for clarification on law.



If you were covered by a self-insured plan, the rules are different as you are covered under federal ERISA law with certain state exceptions. For you to be eligible for coverage under COBRA, the group plan must still be in effect and your employer must have had at least 20 employees covered under the plan. If this isn't/wasn't present, you may have options for guaranteed coverage under your state's portability laws.



Can you give us more info?



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PostPosted: Tue Apr 14, 2009 8:51 am   Post subject:   

Hi InsTeacher,



Quote:
Assuming your employer followed rule and law,



you should have been notified of any impending



termination of your coverage.




What happens if the employer notifies in time but the employee misses it for some reason? I hope then it's the employee's responsibility to stay updated.



Quote:
If your employer deducted wages from you and did not pay for the insurance- this is in violation of law.




Did you come across such instances as a professional? Please share with us any of such experiences..I'm sure it would help widen our views.



Steven
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PostPosted: Tue Apr 14, 2009 11:10 pm   Post subject:   

The OP pm'd me and here's the advice I would have:



What you're looking at is violation of a court order. This is something you're, unfortunately, going to have to take up with the courts if she refuses to place your coverage back into force. Sounds like there's more to the issue than is posted here given your pm to me. You could also run into problems with actually getting back into the group plan depending on the requirements for enrollment into the plan.



What does your lawyer have to say about this???



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PostPosted: Wed Apr 15, 2009 10:23 am   Post subject:   

Quote:
If your employer deducted wages from you and did not pay for the insurance- this is in violation of law.




Agreed, but how this can be tracked? I think the Op realized that his coverage has been terminated when he has faced a situation with claim. We don't know when the coverage has expired. Without notification its hard for the employee to know that his coverage has been expired owning to the non-commitment of his employer.
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PostPosted: Thu Apr 16, 2009 1:57 am   Post subject:   

OK, to respond to



Quote:
If your employer deducted wages from you and did not pay for the insurance- this is in violation of law. Agreed, but how this can be tracked?




I'm sure you've seen that when an employer deducts wages to pay for things like insurance, the deductions will show up on your paycheck. That's that paper trail. But I blew it- the OP said in his pm to me that the premium payments for his coverage were to be borne by the employer, so that comment about the violation of law wouldn't apply here as the OP wasn't paying for the coverage. I would post his pm that he sent to me but I'm not sure if the OP would want me to.



In another pm, the OP told me that there were other reasons for this being what it is, and I commiserate with him. He got screwed big-time. Twisted EvilTwisted Evil



OP Arrow I think there may still be a glimmer of hope. Your last pm said that you were named in the papers and that your dad was the named respondent. The coverage dictate in the "papers" said that you were included in the paperwork, so to speak. This is something that I think I can help you with outside of pm's if you don't care if the whole world knows what's up with you. Remember, you are anonymous here. Plus, I can't pm you back.



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PostPosted: Thu Apr 16, 2009 6:25 am   Post subject:   

Certainly, this has to be taken up in the court if the coverage can't be placed back in force.

Quote:
Sounds like there's more to the issue than is posted here given your pm to me.


Any other possibilities that may have come to your mind?



Steven
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PostPosted: Thu Apr 16, 2009 5:34 pm   Post subject:   

I don't know if COBRA applies to your company, but if so, the American Recovery and Reinvestment Act (recently signed into law) stipulates that those losing their jobs between Sept 08 and Dec 09 only need to pay 35% of their COBRA premium. The rest is paid by the employer who recoups the money through a payroll tax deduction. This year, COBRA might not be as expensive an option for you as it would have been in the past.

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