My husband began a new job a few months ago working for a contracting company as a industrial maintenance tech at a local factory (bridgestone/firestone). He was promised insurance after 90 days..well 90 days have come and gone. When he asked his boss (the co-owner of the contracting company who there only 2 days a week) when they would start taking the insurance out of his pay check he (boss) told him that he hasnt sent in his paperwork yet...meanwhile we need this insurance, we have 2 kids that are without health insurance because we expected to be covered by now..is there anything he should do besides complain to his boss (who doesnt seem to care)..any advise would help...thanks so much
2007-11-20 00:25:07 · 6 answers · asked by SJM 2 in Business & Finance ➔ Insurance
yeah..its not as if he's denied the insurance...he is just taking his own sweet time doing things..In my opinion the paperwork should have been sent in a long time ago and the insurance ready to kick in on the 90th day
2007-11-20 02:04:56 · update #1
Thats the thing,,there is no HR department..its just a contracting company...the boss is suppsosed to handle all that
2007-11-20 06:54:28 · update #2
We filled out our paper work right after he got the job so I see no reason for the paperwork not to have been sent in yet
2007-11-20 06:56:33 · update #3
Based on what you are explaining it doesn't appear they are denying you access to coverage. They are just slow in submitting the application to the carrier. These actions are not illegal but bad business practice. I would suggest following up with the owner often and explain how important such coverage is to you.
You start to enter discrimination areas where the business owner clearly denies you access to coverage or provides you a different waiting period then others within the same employment classification.
If things get real bad I would suggest looking for another job and file a complaint with the Department of Labor.
2007-11-20 02:01:39 · answer #1 · answered by Dimples_in_NJ 3 · 0⤊ 0⤋
The employer is required to submit the enrollment application in a timely manner; however, they do have 30 days from the date of eligibility to submit. If the insurance is to kick in on 12/1, technically, the employer has until 12/31 in which to send in the application. Most insurance carriers will back date your enrollment, but there are 2 that will enroll the 1st of the month following the date the application was submitted. This can cause problems if you incurred claims for the month while you were waiting for the employer to send the application in.
I would suggest you call the Human Resources department to follow up and express your concerns on 2 levels...
1. If a member of your family gets sick or has a medical emergency, you technically do not have insurance. If you have enrolled in an HMO plan, you are REQUIRED to only see your Primary Care Physician and to have all emergency services authorized by not only your PCP but also the medical group he belongs to. If you do not have this type of authorization, your services could be denied and you will not be reimbursed for out of pocket costs. If you enrolled in a PPO, the stricture isn't as great, but it is a hassle to try to have services done without insurance.
2. If they do not start taking contributions out of his payroll now, they can take out a balloon payment for back contribution and that could make a hardship for your family.
Good Luck.
2007-11-20 03:42:16 · answer #2 · answered by kittie_in_ca 3 · 0⤊ 0⤋
The employer has no obligation to provide health insurance for the employees, so there's no "governing agency" you can go to.
So it's either complain to the boss, or ask the boss who to get the paperwork from (politely explaining about the kids) so you can have coverage in place ASAP, and doing all the paperwork yourself. Or finding another job.
2007-11-20 01:01:11 · answer #3 · answered by Anonymous 7 · 0⤊ 0⤋
I am sure that this company is self-insured, so they can go back and cover them. However, I am sure that their contract guidelines state that the employee must sign up within 30 days of his eligibility (waiting period).
I would go to HR and ask for the insurance paperwork. The boss cannot fill it out for the employee and send it in, the employee must elect coverage and sign the form.
2007-11-20 04:13:48 · answer #4 · answered by nurse ratchet 6 · 0⤊ 0⤋
Contact Human Resources and ask them when his health benefits would kick in. Be sure to not make it a blame session on the boss. Just call on a day the boss is not there and inquire about the health benefits.
2007-11-20 02:51:27 · answer #5 · answered by Boots 7 · 0⤊ 0⤋
If the boss in not doing his job you can always get an individual policy from the insurance co.
You can call the boss or if you want and explain in great detail.
2007-11-20 14:48:57 · answer #6 · answered by C J 4 · 0⤊ 0⤋