A
alee
Guest
What is the name of your state?What is the name of your state? INDIANA
Okay, I'll try to make a long story short.
My husband left his job when it had been 4 weeks since he recieved a paycheck. Right after he left I called the insurance company to be sure we maintained coverage since I was 8 months pregnant and I have a toddler. They told me the coverage would probably go to the end of the month (June) and to call back. July 1 I called and the insurance had been terminated. I requested the conversion (like COBRA) paperwork. I finally got it 2 weeks after my son was born (4 weeks after I requested it). In the middle of August, 2 weeks after I sent them my paperwork and the first months premium they sent it all back saying that I had not had coverage for 90 concecutive days because my husbands boss wasn't paying the premium. He had only paid for one month of coverage. The first month. Now we find out, in mid-August, that we haven't had coverage since April 1 and now we had about 12k in medical bills.
So, here are my questions:
1. What are we entitled to? Does he just owe us what he took out of my husbands checks or does he owe us what the insurance would have covered (80% after a $500 deductable was satisfied)?
2. We have contacted the DOL and they are investigating. If we settle with my husbands old boss and he actually gives us an amount that satisfies us will that stop the DOL from investigating? He did break the law. He did this to 2 other employees too. While they never used their insurance he does owe them a total of about $8-10k. At least my husband got all but $700 of the pay he was owed (He got it 6 weeks after he left the company). We're still not even sure if he has been paying his taxes with the money he took out of the checks.
3. Can he go to jail for this?
4. I was able to get Medicaid for my hospital bills and one Dr. bill. If we do reach an agreement with this weasel do we have to give the money to Medicaid? Do I pay myself back for the bills I paid out of pocket and then send the rest to Medicaid? Do I just keep it all as compensation for nearly 6 months of hell this man put us through? The Medicaid lady did tell me that if we take him to court and there is a judgement I need to be sure to make sure they know that Medicaid is the insurance company that needs to be reimbursed. But if we just settle outside of court (for probably 1/4 of what we should get and 1/8 of what we would get if we went to court) what then?
5. Is there anything else we should be doing? I'm worried that even if we take him to court and he gets a judgement and all that we still won't ever see a dime and I'll be out more money than when we started.
Thank you in advance for your advice. Sorry so long!
Okay, I'll try to make a long story short.
My husband left his job when it had been 4 weeks since he recieved a paycheck. Right after he left I called the insurance company to be sure we maintained coverage since I was 8 months pregnant and I have a toddler. They told me the coverage would probably go to the end of the month (June) and to call back. July 1 I called and the insurance had been terminated. I requested the conversion (like COBRA) paperwork. I finally got it 2 weeks after my son was born (4 weeks after I requested it). In the middle of August, 2 weeks after I sent them my paperwork and the first months premium they sent it all back saying that I had not had coverage for 90 concecutive days because my husbands boss wasn't paying the premium. He had only paid for one month of coverage. The first month. Now we find out, in mid-August, that we haven't had coverage since April 1 and now we had about 12k in medical bills.
So, here are my questions:
1. What are we entitled to? Does he just owe us what he took out of my husbands checks or does he owe us what the insurance would have covered (80% after a $500 deductable was satisfied)?
2. We have contacted the DOL and they are investigating. If we settle with my husbands old boss and he actually gives us an amount that satisfies us will that stop the DOL from investigating? He did break the law. He did this to 2 other employees too. While they never used their insurance he does owe them a total of about $8-10k. At least my husband got all but $700 of the pay he was owed (He got it 6 weeks after he left the company). We're still not even sure if he has been paying his taxes with the money he took out of the checks.
3. Can he go to jail for this?
4. I was able to get Medicaid for my hospital bills and one Dr. bill. If we do reach an agreement with this weasel do we have to give the money to Medicaid? Do I pay myself back for the bills I paid out of pocket and then send the rest to Medicaid? Do I just keep it all as compensation for nearly 6 months of hell this man put us through? The Medicaid lady did tell me that if we take him to court and there is a judgement I need to be sure to make sure they know that Medicaid is the insurance company that needs to be reimbursed. But if we just settle outside of court (for probably 1/4 of what we should get and 1/8 of what we would get if we went to court) what then?
5. Is there anything else we should be doing? I'm worried that even if we take him to court and he gets a judgement and all that we still won't ever see a dime and I'll be out more money than when we started.
Thank you in advance for your advice. Sorry so long!