My employer has denied me the opportunity to cancel my insurance because i exceeded the 30 days in which to?

Question

notify them. we recently married and were instructed to wait 30 days before requesting a marriage certificate and therefore could not provide documentation. however i'm told that i should have at least let them know that we were married. i don't see how this would have helped since we still don't have legal documents to substantiate the marriage and we are approaching 90 days since the big day. is there something i can do?

Answer 1

Nope.  Nothing you can do.  Sorry.

Its your responsibility to notify your employer of a qualifying event within the appropriate time frame.

(And that time frame isn't just your employer's own rule - its part of an IRS regulation regarding pre-tax health benefits.  Your employer's hands are tied too, unless they feel like committing an IRS violation just to help you out.  lol)

Even if you didn't have a certified copy of the marriage certificate, you still should have informed your employer.  (And really, this is something you should have discussed with your Human Resources office before the wedding even took place, so that you were prepared for what needed to be done after the wedding.)

Consider this an expensive lesson learned.  And if you plan to have children, also remember to notify your/your husband's employer in the appropriate time frame.  Otherwise, your baby will go without insurance until the next open enrollment period!

Answer 2

You have 30 days from a qualifying event to make any coverage changes.  You DID have a marriage license.  

This is law, not your employer being a meanie.  There is nothing you can do, except wait until the open enrollment period.

Answer 3

see a lawyer

Answer 4

Nope, there's nothing you can do.  It's the law and a company won't break the law for you.  There is no way you were told to wait 30 days before requesting a marriage certificate.

Answer 5

Based upon others judgement will not get the wise decision.However,other's suggestion might be helpful.Here is a good resource for the question.

http://insurance.online-assistant.info/i...