Medical insurance employer requirements. Is it the responsibility of the employer to provide waiver?

Question

I began working for my current employer 14 months ago. After four months I approached the human resource director and questioned him on the medical insurance I was told I would receive upon hire. At that time I had received no enrollment forms or waivers. I was told that I was outside my ninety days and that i would have to wait for open enrollment, consequently leaving me uninsured. In August of this year I had a major heart attack resulting in a $30,000 bill. Was my employer negligent according to the law, in not delivering the appropriate enrollment information in a timely manor?

Answer 1

If everyone else was given forms within their 90 day period, and they just FORGOT to give you forms, then yes. There is actually a coverage that employers can buy - employment benefits liability coverage - for when this type of situation crops up.

Depending on your local laws, of course, your employer is probably going to be liable for what the insurance company WOULD have covered. Unfortunately, you will probably have to hire a lawyer to get anywhere with this.

Answer 2

When your employer signed up for insurance they were to provide a signed form from EVERY ELIGIBLE employee either taking or declining coverage. After 14 months I can assure you they've already gone back through open enrollment again as well and you were skipped over. I think you've got a case here. Call an attorney.

Answer 3

Obama did no longer invent that, its been around for an prolonged time, while coverage replaced into greater low-value, and persons had much less problems with it, it replaced into provided as a income to workers. As to why it won't be somebody duty, it is via fact its extraordinarily high priced to with the help of somebody coverage. i'm particular you have considered the expenses indexed right here formerly, yet i'm going to flow over this back, in NYS the expenses of a matching coverage to what we had while he have been given his via his job, is $1360 a month. for 2 human beings, over sixty, in solid wellbeing. For a relatives of four, its $1580 a month. the generic revenue in this united states is $40 six,000 a year. as quickly as you deduct food, housing, skill, outfits,taxes and motor vehicle and homestead coverage you do not have lots left. So its no longer from no longer desiring it, its in basic terms replace into unaffordable. Worse, the marketplace has been flooded with the help of fly-with the help of-evening communities that declare to grant you coverage just to vanish once you like them. Its top that it no longer be companies subject, yet that's what Republicans look to decide for while they blasted unmarried payer out of the water, and now government ideas. Bringing the fee down and permitting the persons who've an ailment of their previous to purchase low-value coverage is what this has been approximately, no longer loose in basic terms low-value, and that's been lost in dying panels and taking money from ill previous human beings, the two lies. So while you're disillusioned approximately employers offering scientific wellbeing coverage you haven't any longer absolutely everyone to blame yet Republicans. Or coverage firms. the alternative should not be working.

Answer 4

It's possible, depending upon what promises were put in writing. You can check with a lawyer.