Spouse termination documents affecting insurance
A little background: my wife recently changed jobs and is now working part time with a new employer. I want to add her to the health plan I have with my employer, but was told I need confirmation that her former insurance coverage has ended. We had not received anything to that effect yet, so my wife called her insurance company. Apparently, they have not received the termination paperwork from her old employer yet, so cannot give us the end-of-coverage confirmation. Its been just over two weeks since she started her new job...
Do we just need to wait, and eventually, we'll get the confirmation when the background process/paperwork has figured itself out? Or should we try to put more pressure on the parties involved (reach out to old managers, etc.)? I'm just afraid we'll be on the hook for the cost of her previous (and apparently ongoing) insurance coverage.
(1)1 Comments
Sorted by latest first Latest Oldest Best
I have seen coverage stop on the last day of work; I have seen coverage end at the end of the last pay period; I have seen it end at the end of the month.
First ask the old employer when coverage ends, or when it ended. Don't ask the insurance company, it depends on the actual policy she is under. This information is usually included in the out-processing documents, but I guess not all companies include this information.
That is a key date because it drives the dates for everything else. That last day of coverage sets the deadline for the the last medical expense they will cover. It also sets the last day to use Flexible spending accounts. It also kicks in the deadlines for signing up COBRA coverage.
Your employer and the insurance company are looking for proof of a qualifying life event that allows changes to insurance coverage outside of open season. It is likely that a copy of the termination documents with a statement from the old employer that coverage ends on date X will suffice.
Terms of Use Privacy policy Contact About Cancellation policy © freshhoot.com2025 All Rights reserved.