My wife and I were just married a couple of weeks ago, and we’re now trying to get finances, insurance, and such in order. I work for the state of TN and she works for a private PR firm where she and one other are the only full time employees (there are a couple of other part timers). I want to add her to my health insurance plan as it would be a much better deal and better coverage than her keeping the group insurance she currently has under her employer. My wife asked her employer today what she needed to do to cancel her insurance so she can go under mine. Her boss told her that if she does not use the group insurance policy, then she will have to quit her job.
In the state of Tennessee, or anywhere for that matter, is this a legal practice? Isn’t it just common that husbands and wives very often use the insuance policy that benefits them greater, whether it be his or hers? My wife prefers not to quit, but her boss has been impossible to deal with for over a year now and a new job in the future wasn’t going to be out of the question, but we weren’t expecting to be forced like this. And then we have a time schedule. We were married June 10 and have 60 days to change my poilcy to add her. The next open enrolement is October. As far as I can tell those would be our only chances to add her to my policy, unless her losing her job counts as some sort of life-changing event that might cause an allowance to add her then, but I don’t know if that’s the case.
Anyway, does she have to actually keep her employer’s insurance?