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The Watercooler
Any health insurance knowledgable people in the crowd?
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<blockquote data-quote="LittleDudesMom" data-source="post: 516118" data-attributes="member: 805"><p><span style="font-family: 'comic sans ms'"><span style="font-size: 12px">As an employer who offers both employee-paid and company-paid insurance benefits (depending on the level of the employee), I can tell you that insurance regulations differ from state to state. Insurance companies are very careful to make sure they are in compliance with the regulations of the state they operate in - way too much money to be lost if they loose their license to practice!!!</span></span></p><p><span style="font-family: 'comic sans ms'"><span style="font-size: 12px"></span></span></p><p><span style="font-family: 'comic sans ms'"><span style="font-size: 12px">As someone who has been exposed to insurance all my life (my father owned an insurance company in washington Difficult Child and my last job before my easy child was born was for a benefits consulting company), I can tell you I find this awful strange. Again, the laws in your state may be different. Most employees who pay for their own insurance are paying ahead. Insurance companies bill their clients a month ahead, the company pays the premium, and then the employee is deducted those premiums from their pay. An employee is covered on a month to month basis. If an employee leaves on the 10th, or the 13th or the 21st, their insurance is in effect until the last day of the month they were last an employee. Then you get the COBRA option.</span></span></p><p><span style="font-family: 'comic sans ms'"><span style="font-size: 12px"></span></span></p><p><span style="font-family: 'comic sans ms'"><span style="font-size: 12px">It is definitely possible that your old employer does the "day to day" insurance - but what an administrative nightmare. If their benefits policy says that insurance is "day to day", there is no question they owe you the money. If it's week to week, then it is understandable they deducted but you should have had coverage in effect through the end of the week.</span></span></p><p><span style="font-family: 'comic sans ms'"><span style="font-size: 12px"></span></span></p><p><span style="font-family: 'comic sans ms'"><span style="font-size: 12px">Sharon</span></span></p></blockquote><p></p>
[QUOTE="LittleDudesMom, post: 516118, member: 805"] [FONT=comic sans ms][SIZE=3]As an employer who offers both employee-paid and company-paid insurance benefits (depending on the level of the employee), I can tell you that insurance regulations differ from state to state. Insurance companies are very careful to make sure they are in compliance with the regulations of the state they operate in - way too much money to be lost if they loose their license to practice!!! As someone who has been exposed to insurance all my life (my father owned an insurance company in washington Difficult Child and my last job before my easy child was born was for a benefits consulting company), I can tell you I find this awful strange. Again, the laws in your state may be different. Most employees who pay for their own insurance are paying ahead. Insurance companies bill their clients a month ahead, the company pays the premium, and then the employee is deducted those premiums from their pay. An employee is covered on a month to month basis. If an employee leaves on the 10th, or the 13th or the 21st, their insurance is in effect until the last day of the month they were last an employee. Then you get the COBRA option. It is definitely possible that your old employer does the "day to day" insurance - but what an administrative nightmare. If their benefits policy says that insurance is "day to day", there is no question they owe you the money. If it's week to week, then it is understandable they deducted but you should have had coverage in effect through the end of the week. Sharon[/SIZE][/FONT] [/QUOTE]
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Any health insurance knowledgable people in the crowd?
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