lostplanetairman
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- Jan 12, 2005
- 165
- 4
The specifics of the benefit package are adopted by the company and codified in the Plan Document. Employees have the right to see that at any time. What employees do get is a Summary Plan Description which summarizes what's in the Plan Document in simplified language. Domestic Partner benefits are up to the employer to adopt and the rules, other than IRS rules about who is a dependent, would be stated in the Plan Document and SPD. Additionally, most airlines are self-insured, meaning they are not subject to state insurance mandates. They can basically design their own plan since they are paying for it themselves.
As I recall, there was talk about two years ago (I don't know whether it was adopted) of U requiring spouses of employees who could get insurance at their own work to take it--that they could not get on the U insurance. Companies can do it. It can be crappy because, what if the insurance offered by the spouse's employer stinks? I used to work for a company that had HORRIBLE insurance--$2000 individual first dollar deductible, then 80/20 coinsurance in network up to a maximum of $20,000 for an individual out of pocket costs all for a single premium of $150 per month! Rx was part of this--so prescriptions were at full cost and out of pocket! We had an employee whose husband worked for one of the supermarket chains that had that requirement. She had to take our terrible coverage. She got pregnant and basically the whole thing was out of pocket! Some "coverage"! Needless to say she got herself another job with real insurance.
So, if you don't have the SPD, ask for a copy of it (unless you want to read the 100+ page Plan Document). Again, they are required to give you this (by ERISA) and it has to be in plain language.
HR Diva
As I recall, there was talk about two years ago (I don't know whether it was adopted) of U requiring spouses of employees who could get insurance at their own work to take it--that they could not get on the U insurance. Companies can do it. It can be crappy because, what if the insurance offered by the spouse's employer stinks? I used to work for a company that had HORRIBLE insurance--$2000 individual first dollar deductible, then 80/20 coinsurance in network up to a maximum of $20,000 for an individual out of pocket costs all for a single premium of $150 per month! Rx was part of this--so prescriptions were at full cost and out of pocket! We had an employee whose husband worked for one of the supermarket chains that had that requirement. She had to take our terrible coverage. She got pregnant and basically the whole thing was out of pocket! Some "coverage"! Needless to say she got herself another job with real insurance.
So, if you don't have the SPD, ask for a copy of it (unless you want to read the 100+ page Plan Document). Again, they are required to give you this (by ERISA) and it has to be in plain language.
HR Diva