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Started By
Message
Anyone have a spouse surcharge on company health insurance?
Posted on 9/25/18 at 8:06 am
Posted on 9/25/18 at 8:06 am
It’s pretty common now, but if your spouses company offers insurance and they decline and go on your plan, then you have to pay a monthly fee
For me, it’s $150 a month and I was wondering how companies check this?
For my company, it’s an honor system and just a simple click of yes or no.
If they ask why can’t you just say she’s a stay at home wife? That’s $1,800 a year just to have my wife on my plan. BS
For me, it’s $150 a month and I was wondering how companies check this?
For my company, it’s an honor system and just a simple click of yes or no.
If they ask why can’t you just say she’s a stay at home wife? That’s $1,800 a year just to have my wife on my plan. BS
19
Posted on 9/25/18 at 8:06 am to dallastiger55
quote:
but if your spouses company offers insurance
Mine won’t offer if the spouse’s company does.
Posted on 9/25/18 at 8:08 am to dallastiger55
The company I work for charges $10 or $15 a week.
Posted on 9/25/18 at 8:09 am to dallastiger55
I'm sure they would consider that stealing and would probably be pretty pissed if they ever found out.
Posted on 9/25/18 at 8:09 am to dallastiger55
Not an issue for me. Family plan is wife and however many kids 
Posted on 9/25/18 at 8:11 am to dallastiger55
quote:
If they ask why can’t you just say she’s a stay at home wife?
Because she's not a lying piece of shite?
This post was edited on 9/25/18 at 8:12 am
Posted on 9/25/18 at 8:11 am to elprez00
quote:
Not an issue for me. Family plan is wife and however many kids
Not really sure what your family plan's definition has to do with a surcharge. If your wife works and has the ability to get coverage through her work that she doesn't use, your plan likely should be charging you a surcharge.
Posted on 9/25/18 at 8:12 am to dallastiger55
quote:
For my company, it’s an honor system and just a simple click of yes or no.
You will probably get posters telling you that your committing fraud if your claiming she doesn’t get offered insurance. But why make it the honor system if you don’t want people to cheat.
We have the same surcharge at my work and the same check yes or no check box. Luckily I’m not lying that the small business my wife works for does not offer health insurance.
This post was edited on 9/25/18 at 8:17 am
Posted on 9/25/18 at 8:13 am to LNCHBOX
quote:
If your wife works and has the ability to get coverage through her work that she doesn't use, your plan likely should be charging you a surcharge.
Well my company doesn’t do so. Which is awesome.
And by your logic, shouldn’t my wife’s company be cutting her a check for the value of the coverage they are not having to provide her since it’s calculated as part of her compensation rate?
This post was edited on 9/25/18 at 8:14 am
Posted on 9/25/18 at 8:14 am to elprez00
quote:
And by your logic, shouldn’t my wife’s company be cutting her a check for the value of the coverage they are not having to provide her since it’s calculated as part of her compensation rate?
How is that my logic? That sounds stupid.
Posted on 9/25/18 at 8:19 am to LNCHBOX
why would they charge the surcharge? are they picking up a portion of the cost of her insurance? if not, it sounds like they are trying to make money off of you. It certainly doesnt cost $150 a month to process taking the money out of your check and applying it to the cost of her insurance.
Posted on 9/25/18 at 8:20 am to diat150
quote:
why would they charge the surcharge?
Because they are having to cover someone they otherwise shouldn't have to cover.
quote:
are they picking up a portion of the cost of her insurance?
Yes
quote:
if not, it sounds like they are trying to make money off of you.
You didn't put much thought into this, did you?
Posted on 9/25/18 at 8:21 am to diat150
quote:
if not, it sounds like they are trying to make money off of you
BREAKING: for profit companies are trying to make money.
quote:
why would they charge the surcharge? are they picking up a portion of the cost of her insurance?
Increases the risk pool and overhead that they don't have to, not that complicated.
Posted on 9/25/18 at 8:21 am to dallastiger55
Subtle I found some creature to marry me brag
Posted on 9/25/18 at 8:22 am to LNCHBOX
quote:
How is that my logic? That sounds stupid.
You understand how benefits are tabulated right?
Base rate of pay + vacation + leave + employers contribution to medical + insurances (WC,GL, etc) = billable rate.
So if an employee declined coverage, that expense is no longer being incurred by the company and should be paid to the employee. If you notice on your paycheck and w-2 the company claims that contribution as part of your income.
First company i worked for ended up getting in deep shite when doing federal construction work for this stuff. Billing out rates for employees and then was audited. Discovered the employees were not being paid at the base rate of pay they were billing, and the benefits were not being distributed. Ended up having to cut checks to everyone that worked on the project paying them the difference.
Posted on 9/25/18 at 8:22 am to diat150
quote:
are they picking up a portion of the cost of her insurance?
Is this fricking serious?
Posted on 9/25/18 at 8:24 am to elprez00
quote:
So if an employee declined coverage, that expense is no longer being incurred by the company and should be paid to the employee.
Uh, no. You don't get to just decide to decline a benefit and then get paid for that decision.
Posted on 9/25/18 at 8:24 am to dallastiger55
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 and he didn’t realize he was doing anything wrong.
I would not lie on corporate benefits.
I would not lie on corporate benefits.
This post was edited on 9/25/18 at 8:26 am
Posted on 9/25/18 at 8:25 am to PoppaD
quote:
You will probably get posters telling you that your committing fraud if your claiming she doesn’t get offered insurance. But why make it the honor system if you don’t want people to cheat.
Easy, if she ever has a large claim they could deny coverage.
Insurance companies are not the ones that get screwed, like ever
Posted on 9/25/18 at 8:25 am to LNCHBOX
quote:
Uh, no. You don't get to just decide to decline a benefit and then get paid for that decision.
Um, you do if it’s considered a part of your salary defined for the position.
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