 | 
10-21-2009, 10:22 AM
| | Junior Member | | Join Date: Oct 2009
Posts: 2
| | | Health Insurance - Texas
I want to drop my Daughter from our company health plan and purchase an individual plan for her at a substantial savings. My employer said I would have to wait till next October for the open enrollment period. Is this correct? I can understand not being able to put someone on the plan but now forcing me to pay more just doesn't seem right. |
10-21-2009, 10:30 AM
| | Senior Member | | Join Date: Nov 2001 Location: Massachusetts
Posts: 23,702
| | | If that's when your open enrollment is, then yes, that is correct. Federal law limits when an employee can and cannot add or subtract dependents from an employer-sponsored group policy. It can ONLY be done during open enrollment or within 30 days of a qualifying life event (birth, marriage, adoption, etc.). Again, that is Federal law. |
10-21-2009, 10:32 AM
| | Senior Member | | Join Date: Mar 2005 Location: Texas
Posts: 2,352
| | Quote:
Originally Posted by msolz  I want to drop my Daughter from our company health plan and purchase an individual plan for her at a substantial savings. My employer said I would have to wait till next October for the open enrollment period. Is this correct? I can understand not being able to put someone on the plan but now forcing me to pay more just doesn't seem right. | Your employer is correct. You can't just drop someone unless there has been a life changing event (i.e. divorce, death, birth, adoption, loss of coverage, etc...)
__________________
"Sometimes you're the windshield; sometimes you're the bug."
|
10-21-2009, 10:37 AM
| | Senior Member | | Join Date: Oct 2004 Location: small town, PA
Posts: 5,816
| | | It is if the deductions from your pay are on a pre-tax basis. The rules are very strict regarding changes in coverage for 125 plans. And just being able to qualify for cheaper coverage is not, to my knowledge, a qualifying event to be able to drop her from coverage until the next open enrollment period.
But October is still this month. When was the open enrollment period for this year?
__________________
---------------------------------------------------------------------------------------------------------------------------------------------------------
Nobody understands good sarcasm any more.  |
10-21-2009, 10:37 AM
| | Junior Member | | Join Date: Oct 2009
Posts: 2
| | | What about when she turns 18 in January and I am no longer required by the court through my divorce to carry insurance on her? |
10-21-2009, 12:04 PM
| | Senior Member | | Join Date: Feb 2006 Location: Philadelphia, PA
Posts: 17,775
| | | That doesn't make a difference. It would only matter if she no longer met the criteria to be a covered dependent. You missed the open enrollment deadline, so you have to wait until next year.
__________________
Lawsuits are not about justice. They are about MONEY. If you don't want money, then you shouldn't be thinking about suing. And people post here because they are thinking about suing. Because they want money, no matter how much they don't want to admit that to themselves.
-Auto insurance adjuster for 2 years - as of 6/15/09, I am FREE!
| |
Currently Active Users Viewing This Thread: 1 (0 members and 1 guests) | | | | Thread Tools | | | | Display Modes | Rate This Thread |  Linear Mode | | 
Posting Rules
| You may not post new threads You may not post replies You may not post attachments You may not edit your posts
HTML code is Off | | | |
All times are GMT -5. The time now is 01:48 AM.
