Tag: qualifying event

Question: If an employee is adding a new baby to his healthcare plan, can this employee also add his spouse at the same time? Answer:¬†Yes. Under the Health Insurance Portability and Accountability Act (HIPAA), group health plans are required to offer mid-year special enrollment for the spouse and/or new baby (and the employee if not…

Question: If a spouse loses coverage under his plan due to nonpayment, is this a qualifying event to permit a mid-year enrollment for our employee to add the spouse? Answer: We are operating under the assumption that your plan specifically provides for mid-year election changes under Section 125 and that your plan documents specifically provide…

Question: What is the Consolidated Omnibus Budget Reconciliation Act (COBRA)? Answer: The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or…

Question: Both husband and wife work at different companies and insure their child. The child will turn 26 soon, lose coverage and be eligible for COBRA. Can the child enroll in COBRA at both companies? Answer: Yes, if the child was covered on both plans on the day before the qualifying event, then he would…