My response:
Wages owed, even if they are deducted for some other purpose, are never dischargeable in bankruptcy. Your son also has a property interest in the insurance, and thereby, the coverage afforded. Your son has been defrauded; i.e., the taking of his wages and failing to pay the insurance premiums sounds like a purposeful act, subjecting the employer to punitive damages. I would take this matter up with an attorney A.S.A.P.
IAAL.
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