re: Anyone have a spouse surcharge on company health insurance?

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 I think that’s a felony but do not quote me on that

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Because they are having to cover someone they otherwise shouldn't have to cover.

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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.

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Why? Why does your company need to provides benefits for someone that has the ability to get them from their own company?

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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.

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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.

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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.

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If her company offers coverage and pays part of it why is she on your plan.

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Maybe his insurance is better.

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

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That’s $1,800 a year just to have my wife on my plan. BS

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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.

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.

Mine is just single or family. It's a large enough difference that without kids it's pointless for her to be on mine.

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If they ask why can’t you just say she’s a stay at home wife?

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You most certainly can......it's just called fraud if you do.