Tag: spousal carve outs

Question: Is it sufficient notification to exclude spousal health coverage if an employer has language in the handbook stating that spouses will not be covered under the health plan? Answer: In order for a “spousal carve-out” to be enforced, it should be outlined in the official benefit plan documents. It is certainly permissible to summarize…

Question: Can you provide us with  general guidance on spousal carve-outs from the group health plan?  Are they discriminatory? Answer: In general, we are seeing more and more spousal surcharges and carve-outs as part of health plan design. The surcharge for a spouse’s coverage when other coverage is available could be whatever the employer chooses,…