Any Legal brides? I think I already know the answer, but please tell me if I'm wrong...

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Posted by jannshari

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Posted by ChristineC68

COBRA isn't offered to current employees. It's for when you leave the company.

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That's not necessarily true. I imagine your company wants the info to make sure that they don't have to keep carrying insurance for you under COBRA. They need to take you off the group policy entirely.

I do not understand why the new insurance company will not issue YOU a letter stating that you have been added to the policy and the date of your coverage. That's something they should be sending you anyway, so the illegality of it just B.S., as far as I'm concerned.

Edited for spelling.

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I just checked with our HR dept - if you waive group coverage, you are not eligible for Cobra when you leave the company. I didn't have to do anything to cancel my insurance other then complete and sign a form.

That's what I am not understanding here, why Suven's company is requiring evidence of insurance with another carrier.

I guess it would come into play later on if she needed to come back to her company's plan. In order to be added on automatically without waiting, there would need to be a significant event that resulted in a change or discontinuation of her current health insurance plan. If someone waived their right to insurance for the hell of it, I think you can only jump back in during open enrollment which is once a year (that's how my office policy is written).

I think the new insurance company would provide the letter. I don't understand how suven's DH's company won't issue the letter as a courtesy, so I am ITA agreement that the illegality of it is BS.

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Posted by Jan05Bride

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Posted by Corduroy94

I handle that part of our deparmtnet's HR & thats what my company requires. No one has ever had a problem getting that letter. Maybe try to keep it as simple as possible when you call them next time.

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May I ask why does your company require it? What if the employee decided to just not have insurance?

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I don't know if ths is th reason for all companies ours does it for reasons of 'retroactive reimbursement of health insurance premiums.' There is this HUGE explination but it's all to prevent you from submitting insurance claims to more than one company. There are loop holes to that & some exceptions but that's the gist of it.

It stinks believe me I KNOW - I get to hear ALL the complaints for a policy i didn't invent!