To my knowledge- No they cannot. It almost comes down to discrimination. If they offer insurance to one spouse then your employer shouldn't be able to turn to another person and say "sorry.. your spouse has health insurance options at her job.. denied!"
You will be the one paying the premium to carry your spouse!
I have honestly never heard of this happening. You should contact your corporate HR though.
Hope this is helpful:)
Evan
some patients have two insurers because both spouses receive coverage through their employer or because they have purchased an HMO policy to supplement the deficiencies of a basic polic, such as Medicare.
some patients have two insurers because both spouses receive coverage through their employer or because they have purchased an HMO policy to supplement the deficiencies of a basic polic, such as Medicare.
You have to check into Social Security disability, if you don't have your own disability insurance (individual policy, or through your employer); It is recommended that you get your own Disability Insurance policy if your employer does not offer such benefits. Yes, there are disability insurance policies available in Virginia.
Car insurance is available through Spartan Insurance. One can also get truck insurance through Spartan Insurance which is available in all the states of the United States.
If you have insurance through your employer, and you are the policy holder,(the insurance is in your name) this insurance will be primary for you, and your spouses insurance policy will be secondary. The insurance policy thru your spouse's employer, (your spouse is the policy holder, or the insurance is in their name), this would be primary for your spouse, and your policy would be their secondary. Here's the phamplet from Medicare http://www.medicare.gov/Publications/Pubs/pdf/02179.pdf
Motor trader insurance is available from a number of car insurance companies. You can find it on line, through brokers and if you approach insurance companies directly. It will include cover for driving vehicles, public liability, employer's liability and asset cover.
Yes. There is no legal obligation for your employer to offer health insurance unless you have a labor agreement through your labor union that requires it.
Georgia does not have state disability insurance. You need to approach your employer, and ask to make the option of short term disability coverage available to you and your co-workers. It is something you would pay for yourself through payroll deduction, so there is no direct cost to your employer.
If both policies are with the same company, and if you or your employer pays the premiums on them, then yes, they both pay. That is actually common; quite often the husband's insurance through his employer is through the same insurance company the wife's job has.
The major sources of healthcare financing in the United States is either by government programs, insurance or self insured plans which are available through an employer.
If the life insurance was provided through an employer group policy, the coverage usually terminates when your employment is terminated. Some insurance policies through employer groups could include a portability feature, meaning that you can continue the coverage by paying (sometimes a higher) premium, directly to the insurance company, not to your former employer.
Yes, and it's recommended to add supplemental disability insurance to cover closer to 100% of your income. If you have disability insurance through your employer, your benefit will be capped at 66% of your income. The benefit received from a group disability policy (through your employer) is taxable. Supplemental disability insurance benefits are not taxable. You can add Catastrophic rider on an individual disability insurance policy, to cover up to 100% of your income in combination with your existing employer group DI.