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Started By
Message
re: Anyone have a spouse surcharge on company health insurance?
Posted on 9/25/18 at 8:26 am to PortHudsonPlaya
Posted on 9/25/18 at 8:26 am to PortHudsonPlaya
quote:
I worked with a guy once that waited until the next enrollment/renewal period before he took his wife off his insurance after getting divorced. He was fired immediately. Felt bad for him. It had only been about a six month period.
Why would he even do this? Willingly pay for your ex wife’s insurance?
Posted on 9/25/18 at 8:26 am to dallastiger55
Because if they actually investigate it you can be charged with insurance fraud. I think that’s a felony but do not quote me on that
This post was edited on 9/25/18 at 8:49 am
Posted on 9/25/18 at 8:26 am to elprez00
quote:
Um, you do if it’s considered a part of your salary defined for the position.
Well, if that's the case, great. But it sounds like it isn't, so it's irrelevant.
Posted on 9/25/18 at 8:33 am to LNCHBOX
quote:
Because they are having to cover someone they otherwise shouldn't have to cover.
The way the other poster worded it was kind of fricked up, but I do agree with him that it’s a kind of shitty practice that seems to have become the norm.
The fact that my wife has a job with benefits does not increase the cost of coverage for my insurance company. If anything, I’d think it would decrease slightly because she could potentially be covered by workers comp if any injuries occur throughout the day.
The surcharge is just a way for companies to decrease the number of people covered under their group plans. Does that decrease the overall premium for everybody? Sure it does, but the way it’s implemented basically makes employees with dual-income households subsidize those with single-income households either by a) not covering eligible family members or b) paying an increased premium. Personally I think it is screwed up, but c’est la vie.
Posted on 9/25/18 at 8:37 am to lostinbr
quote:
but I do agree with him that it’s a kind of shitty practice that seems to have become the norm
Why? Why does your company need to provides benefits for someone that has the ability to get them from their own company?
quote:
but the way it’s implemented basically makes employees with dual-income households subsidize those with single-income households either by a) not covering eligible family members or b) paying an increased premium
You're only looking at it from one side of the equation. IMO. Also, by definition, the wife wouldn't be an eligible family member.
Posted on 9/25/18 at 8:44 am to LNCHBOX
quote:
Why? Why does your company need to provides benefits for someone that has the ability to get them from their own company?
Clearly it’s a decision that each company has to make, and there’s nothing requiring them to do so. My personal opinion is that my total compensation (of which benefits are a part) should be determined independent of my wife’s employment status.
I’m not asking anyone to take it as gospel, just stating my opinion.
Posted on 9/25/18 at 8:46 am to TH03
I honestly think it slipped his mind. He seemed like a middle aged, healthy baw that prob never used insurance much anyways so didn’t really pay attention to it until it came up.
Posted on 9/25/18 at 8:50 am to PortHudsonPlaya
quote:
I honestly think it slipped his mind. He seemed like a middle aged, healthy baw that prob never used insurance much anyways so didn’t really pay attention to it until it came up.
I bet you she said something like "keep me on your insurance and while it'll cost you $100 more a month, I'll let you decrease alimony/support by $200".
win win... till he's caught.
This post was edited on 9/25/18 at 8:51 am
Posted on 9/25/18 at 8:52 am to dallastiger55
If her company offers coverage and pays part of it why is she on your plan.
Posted on 9/25/18 at 9:11 am to The Torch
quote:
If her company offers coverage and pays part of it why is she on your plan.
Maybe his insurance is better.
Posted on 9/25/18 at 9:14 am to dallastiger55
We require a letter from employer stating that they are not offered insurance
If they don’t work we get tax return showing no income
If they don’t work we get tax return showing no income
Posted on 9/25/18 at 9:24 am to dallastiger55
my wife's insurance charges it even if my company doesn't offer insurance. it's bullshite. so i have my own insurance now. still less than the monthly surcharge.
Posted on 9/25/18 at 10:25 am to dallastiger55
quote:
That’s $1,800 a year just to have my wife on my plan. BS
Now look at how much it cost to self insure and you will think that "BS $1,800 a year" is a gift from above.
Posted on 9/25/18 at 10:46 am to dallastiger55
My company announced that they were going to start doing this two years ago....but they are yet to implement it. Maybe at this year's enrollment process
Posted on 9/25/18 at 10:46 am to dallastiger55
There are companies in the business of sniffing out ineligible dependents. Large employers hire them. I had to submit tax returns, birth certificates and marraige license for my family. They are called Depedent Eligibility Audits. Probably something you need to avoid.
Posted on 9/25/18 at 10:50 am to PoppaD
quote:
why make it the honor system if you don’t want people to cheat.
I don’t really have an opinion as to the OP, but this bothers me.
Posted on 9/25/18 at 11:19 am to dallastiger55
Mine is just single or family. It's a large enough difference that without kids it's pointless for her to be on mine.
Posted on 9/25/18 at 11:23 am to TH03
Likely more to the story. A court can order you to do it for up to six months after the date of divorce. Its very common.
Posted on 9/25/18 at 11:40 am to dallastiger55
quote:
If they ask why can’t you just say she’s a stay at home wife?
You most certainly can......it's just called fraud if you do.
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