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cbg
I'm a Northern Girl
Unless MD law is very different from that of other states, it depends upon your insurance plan.
If your insurance is under a Section 125 plan, you can only make changes during your yearly open enrollment period or when you have a qualifying event. This is Federal law. A divorce would be a qualifying event, but you would have to wait until the divorce is finalized. If your portion of the premium is being taken out of your paycheck pre-tax, or if you have the option of taking it pre-tax, then you are under a Section 125 plan.
If you are not under a Section 125 plan, then it's up to the insurance contract when they will permit you to make changes. However, the very large majority of plans require that you wait for open enrollment or a qualifying event, which again would mean waiting till the divorce is final. If your portion of the premium is deducted from your paycheck post-tax and there is no option to take it pre-tax, then the likelihood is that you are not under a Section 125 plan.
If your employer pays 100% of the premium, you will have to ask someone in your HR department whether or not you are in a Section 125 or not. Regardless of the answer, it is very unlikely that you will be able to drop her before the divorce is final, unless you have an open enrollment period before then.
Regardless of when and how she is dropped from the plan, at that time your company will provide her with the information as to how she can continue the coverage at her own expense. This is also Federal law and NOTHING you do can prevent that from happening.
If your insurance is under a Section 125 plan, you can only make changes during your yearly open enrollment period or when you have a qualifying event. This is Federal law. A divorce would be a qualifying event, but you would have to wait until the divorce is finalized. If your portion of the premium is being taken out of your paycheck pre-tax, or if you have the option of taking it pre-tax, then you are under a Section 125 plan.
If you are not under a Section 125 plan, then it's up to the insurance contract when they will permit you to make changes. However, the very large majority of plans require that you wait for open enrollment or a qualifying event, which again would mean waiting till the divorce is final. If your portion of the premium is deducted from your paycheck post-tax and there is no option to take it pre-tax, then the likelihood is that you are not under a Section 125 plan.
If your employer pays 100% of the premium, you will have to ask someone in your HR department whether or not you are in a Section 125 or not. Regardless of the answer, it is very unlikely that you will be able to drop her before the divorce is final, unless you have an open enrollment period before then.
Regardless of when and how she is dropped from the plan, at that time your company will provide her with the information as to how she can continue the coverage at her own expense. This is also Federal law and NOTHING you do can prevent that from happening.
Z
zappy
Guest
I would suggest you KEEP YOUR MOUTH SHUT.....
If you ex turns out to be the bitcch from hell, she will demand to be kept on your insurance for years as a part of the divorce settlement.
So if you really dont want her on your insurance DONT be a CHEAPSKATE, she will get you one way or the other....
Just some advice from some of my friends who had the bittcchh from hell.
If you ex turns out to be the bitcch from hell, she will demand to be kept on your insurance for years as a part of the divorce settlement.
So if you really dont want her on your insurance DONT be a CHEAPSKATE, she will get you one way or the other....
Just some advice from some of my friends who had the bittcchh from hell.
Well insurance doesnt get taken out of my check..My employer pays my premium..However, whatever Carefirst doesnt cover i pay out of pocket....My ex has always been a gal that runs to the doctors office for a little cough or anything...I told her she needs to pay me the money but i know she wont...So, i guess i have to check into this with my employer...
Z
zappy
Guest
so give her MORE money up front in exchange for taking her off your insurance, that what i meant by not being a cheapskate.
A
amc822
Guest
Check with Carefirst but I'm pretty sure you have to be a legal dependant in order to be eligible to be included on someone's plan. I have Carefirst and that's how my plan is. Once you are divorced she won't be on it but don't drop her before then because you will probably be ordered to pay any of her medical expenses.