Can an employer take my insurance coverage away without any warning after 10 years?

Question

My boss of 24 years took my insurance coverage away without any warning, saying he can no longer afford to pay for it. It was stated to my manager that my insurance would be reinstated in the fall when business picks back up, but now he changed his mind and denied me again. Is this legal? Is there anything i can do or call to stop this cheap scrooge from doing this to anyone else?

Answer 1

As long as he took it from EVERYONE in the same employment class as you at work, he can do it. He's not REQUIRED to offer you health insurance.

If I were you, I'd find a new job. If he's suddenly having a hard time making operation expenses after 24 years, he's on his way out of business.

Answer 2

No, there probably isn't anything you can do unless you have some sort of contract guaranteeing you the coverage while you work there -- no, I'm not an attorney, so see one about your own specific needs in your state. On the other hand, maybe there WAS a verbal or written guarantee regarding your employment that you can invoke. There are some very good legal people on this site, so you might want to also post this question in the legal areas. That's their area of expertise.

However, your situation is sadly one that is too common and it's one that many people are in. NEVER depend on your employer for your own life insurance needs. Take the extra is it's being paid for (usually a whopping 2x your yearly salary), but make sure that you also have your own coverage that you have set up aside from that. 1st because of situations just like this; 2nd because most life insurances won't follow you if you leave the job (and what if you've become uninsurable for whatever reason during the time?); 3rd, because you're probably better off with about 10x your yearly salary as the amount of your life insurance.

I'm not going to get into types of insurance - and, yes, I know them, but that wasn't your question. All I can very, very seriously suggest to you right now is to get yourself covered and to make sure that you never let yourself get into a situation where you're dependent on someone else for this again.

Answer 3

An employer is not required to offer health insurance to its employees. Unless you have some sort of written contract stating that he's going to provide insurance benefits to you, there isn't a whole lot that you can do about it.

Except look for another job, of course - which I'd be starting to do if I were you. If you've been working for the same employer for 24 years, I'm guessing that you're at the age where purchasing your own health insurance policy would start to get pretty pricey. If possible, find another employer with a benefits package.

Answer 4

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Answer 5

It's legal unless you have some sort of contract saying that he has to provide insurance. Insurance is a benefit, and benefits aren't mandated by law.

That said, it sure would have been nice if he had at least warned you.

Answer 6

Unless you are union and your protected under a contract they can do whatever they want to. I have worked 29 years in a non-union company and little by little they take stuff away all the time.