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PrincessP
Big sister!!!!!!!!!!
Member since 12/05 17450 total posts
Name:
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Human resource benefits info
Can someone help me out. I am not clear on how this works. MY dh was giving in his 2 weeks today to start another job and they told him he can resign today. I am 8 months preggo starting my own benefits Oct 1st. He paid for the month of october (from what I thought). His company just told us that his benefits end when he resigns. So they plan to terminate our coverage tomm. I know its just 4 more days but I am preggo. How can they terminate them before the end of the month? Not understanding this...
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Posted 9/25/06 12:36 PM  |
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Lisa
I'm a PANK!!!
Member since 5/05 22334 total posts
Name:
Professional Aunts No Kids
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Re: Human resource benefits info
I thought that they had to offer you COBRA even if you left a company. I would have him ask about that....you should not have a lapse in your insurance.
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| Posted 9/25/06 12:38 PM |
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nixy
LIF Adult
Member since 9/06 1575 total posts
Name:
K
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Re: Human resource benefits info
Message edited 10/11/2006 9:14:27 AM.
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| Posted 9/25/06 12:38 PM |
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leighla
Support Cancer Research
Member since 5/05 16353 total posts
Name:
Lauren
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Re: Human resource benefits info
I've never heard of that.
You've already paid for the month, so you either need to get a refund or they should cover you for the remainder of the month.
But it has been a while since I was in a benefits role, so I could be wrong.
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| Posted 9/25/06 12:38 PM |
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Emily
Kasey & Me! Lurves it!
Member since 7/06 8703 total posts
Name:
STBHC
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Re: Human resource benefits info
He pays for the coverage?
If so, they cannot terminate it untill September 30th.
They are not obligated to offer him COBRA, unless he asks for it.
ets: The law about COBRA is dependent on the number of employees. IF I were to quit today, my company would not have to give me COBRA even if I asked for it.
Message edited 9/25/2006 12:42:27 PM.
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| Posted 9/25/06 12:39 PM |
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Stacey1403
Where it all began....
Member since 5/05 24065 total posts
Name:
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Re: Human resource benefits info
It is illegal not to offer COBRA. He needs to speak with an HR rep. Plus insurance has to be paid the month before so it is complete bullsh*t that he would lose coverage right away!!
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| Posted 9/25/06 12:39 PM |
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PrincessP
Big sister!!!!!!!!!!
Member since 12/05 17450 total posts
Name:
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Re: Human resource benefits info
Sorry to not have answered some of the above questions in my OP. Cobra he was offered which I "think" can be put into effect within the next 60 days...so you are right...if God forbid something happens between now and oct 1st...Yes, I would put in for their thousand dollar cobra 
In terms of my benefits question...If you pay sept 1- sept 31st...whats the deal cutting you off at the 25th bc you resign? Yes, i think they are willing to credit him the 5 days but who wants a credit vs being covered
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| Posted 9/25/06 12:50 PM |
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Stacey1403
Where it all began....
Member since 5/05 24065 total posts
Name:
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Re: Human resource benefits info
I would have him call the insurance company.
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| Posted 9/25/06 12:52 PM |
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Stacey1403
Where it all began....
Member since 5/05 24065 total posts
Name:
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Re: Human resource benefits info
He could also contact the Dept of Labor.
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| Posted 9/25/06 12:56 PM |
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Christine
2nd verse same as the 1st
Member since 5/05 15287 total posts
Name:
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Re: Human resource benefits info
It sounds like HR has an agenda with telling him to leave today and then this bs with the insurance. It's paid for and by law they have to offer cobra so they are way ahead of themselves saying his policy will be cancelled effective today.
And I would be shocked if the insurance company would give a credit for 5 days - our ins. company only allows cancellation on the 15th and the end of the month.
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| Posted 9/25/06 12:57 PM |
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Emily
Kasey & Me! Lurves it!
Member since 7/06 8703 total posts
Name:
STBHC
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Re: Human resource benefits info
A) Call the Ins. Company
B) They told him to leave today for several reasons:
1) No time to download contacts on to a disk
2) No time to take company info with him...if he works for "Smith Barney" he does not have time to organize stuff to take to "Morgan Stanley"
3) No time to say goodbye...he does not make a distraction from work by having a goodbye party or running around telling his friends goodbye. He is out the door in a flash.
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| Posted 9/25/06 1:04 PM |
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suvenR
designer mutt
Member since 5/05 4239 total posts
Name:
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Message edited 10/4/2006 8:37:03 PM.
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| Posted 9/25/06 1:32 PM |
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suvenR
designer mutt
Member since 5/05 4239 total posts
Name:
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Message edited 10/4/2006 7:16:03 PM.
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| Posted 9/25/06 1:34 PM |
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nrthshgrl
It goes fast. Pay attention.
Member since 7/05 57538 total posts
Name:
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Re: Human resource benefits info
I was going to respond but then saw that suvenR posted exactly what I was going to type.
So basically, yeah what she said.
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| Posted 9/25/06 2:06 PM |
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PrincessP
Big sister!!!!!!!!!!
Member since 12/05 17450 total posts
Name:
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Re: Human resource benefits info
Posted by suvenR
Yes, they can cut him off now.
The insurance contribution is "per pay period" whereas Cobra premiums are per month.
The decision about when to terminate coverage is made when a company purchases a policy. The options are: end of the months; 15th of the month, date of qualifying event.
In this case, it's "date of qualifyng event"
OK...I agree that todays the qualifying event BUT he worked today which means this day (monday) should be calculated in the next pay period bringing us to oct 1st. I dont believe or understand credits. I would think its the 15th or 30th cut off.
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| Posted 9/25/06 2:55 PM |
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PrincessP
Big sister!!!!!!!!!!
Member since 12/05 17450 total posts
Name:
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Re: Human resource benefits info
also one more thing to add....How would cobra begin on the 26th of a motnh...wouldnt it begin on the 1st? How do you pay for days? Thats the same reason I dont understand why you would be credited for days. Seriously, we are talking about like 4 days...his company nneds to get a clue.
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| Posted 9/25/06 2:58 PM |
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nixy
LIF Adult
Member since 9/06 1575 total posts
Name:
K
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Re: Human resource benefits info
Message edited 10/9/2006 8:52:45 PM.
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| Posted 9/25/06 3:03 PM |
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Emily
Kasey & Me! Lurves it!
Member since 7/06 8703 total posts
Name:
STBHC
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Re: Human resource benefits info
Posted by suvenR
Posted by EmilyAKAMrsK
ets: The law about COBRA is dependent on the number of employees. IF I were to quit today, my company would not have to give me COBRA even if I asked for it.
If you work in NY, State Continuation applies. You would be eligible for Cobra.
If the company has less than a certain amount of employee's then the law does not apply to them. That is what I was taught. 
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| Posted 9/25/06 3:11 PM |
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PrincessP
Big sister!!!!!!!!!!
Member since 12/05 17450 total posts
Name:
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Re: Human resource benefits info
Posted by EmilyAKAMrsK
Posted by suvenR
Posted by EmilyAKAMrsK
ets: The law about COBRA is dependent on the number of employees. IF I were to quit today, my company would not have to give me COBRA even if I asked for it.
If you work in NY, State Continuation applies. You would be eligible for Cobra.
If the company has less than a certain amount of employee's then the law does not apply to them. That is what I was taught.
DH works for a major company so he would get cobra...BUT...4 days??? I mean really... they are crazy!
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| Posted 9/25/06 3:32 PM |
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suvenR
designer mutt
Member since 5/05 4239 total posts
Name:
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Re: Human resource benefits info
Just logged back on now.
Many employees assume that their deduction entitles them to coverage for a certain amount of time (a week, a month, the current pay period), but it does not.
When you elect to participate in your employers health plan, you are agreeing to have a specified amount of money taken out of your pay each time you are paid.
The termination of benefits date is determined by the health insurance policy that your company has with the health provider. Your paycheck deduction as no effect on your termination of benefits. It's simply a "per pay period deduction"
FM if you have more questions!
ets: they will calculate the cost for 4 days.
Message edited 9/25/2006 5:49:57 PM.
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| Posted 9/25/06 5:42 PM |
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suvenR
designer mutt
Member since 5/05 4239 total posts
Name:
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Message edited 10/5/2006 4:32:01 PM.
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| Posted 9/25/06 5:48 PM |
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KLSbear
LIF Adult
Member since 1/06 1908 total posts
Name:
Karen
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Re: Human resource benefits info
As for why they might be making a big deal about 4 days, if anything should happen incurring medical costs it would count against their insurance, so if you and DH were in a horrific accident tonight those medical costs would affect the companies insurance, possibly causing it to increase greatly. One of the reasons our company's insurance has jumped is because of some excessive medical costs incurred by employees.
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| Posted 9/25/06 5:56 PM |
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PrincessP
Big sister!!!!!!!!!!
Member since 12/05 17450 total posts
Name:
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Re: Human resource benefits info
Posted by suvenR
Just logged back on now.
Many employees assume that their deduction entitles them to coverage for a certain amount of time (a week, a month, the current pay period), but it does not.
When you elect to participate in your employers health plan, you are agreeing to have a specified amount of money taken out of your pay each time you are paid.
The termination of benefits date is determined by the health insurance policy that your company has with the health provider. Your paycheck deduction as no effect on your termination of benefits. It's simply a "per pay period deduction"
FM if you have more questions!
ets: they will calculate the cost for 4 days.
Thank you for all your info! Makes sense but doesnt make me happy! I guess I will pray nothing happens in 4 days and god forbif if it does...i will elct cobra.
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| Posted 9/25/06 6:39 PM |
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