Insurance misrepresentation (fraud?) by employer to employee?

Question

How or where can I find answer to questions about possible insurance misrepresentatin or fraud by an employer?

I have discovered that I wasn't covered by medical insurance when I was supposed to be by my employer. Money was taken out of my check weekly to cover the premiums, I had been insured for over a year with this employer at the time and I didn't recive any notice of a lapse in coverage. I realised after receiving unpaid bills from my doctor's offices for annual check-ups, that my employer had let our policy lapse. My employer immediately cut me a check to cover the bills and my insurance premiums were paid. From what I can figure, I was not covered and unaware of it for 2 months. That was over a year ago, and now I think it has happened again. I also think my employer is going to drop our insurance policies altogether and I was wondering how much advanced notice they are required to give?

I live and work in Missouri and am very worried about what my rights to coverage are!

Answer 1

The employer has the right to drop the insurance benefits at anytime and advance notice is not really required.  It sounds like the employer made good and took care of you. You can check the department of labor for state specific laws. http://www.dolir.mo.gov/

I would just let you employer know that you take your insurance coverage very seriously and would appreciate as much notice as possible if any changes are going to be made.

Since employers voluntarily offer insurance benefits you really don't have any rights to coverage.

Answer 2

Check directly with the insurance company providing the group coverage to see if your employer's plan is current.