Non-contributory plan: must all employees participate?
Posted 09 August 2002 - 09:32 AM
Posted 09 August 2002 - 10:09 AM
Posted 09 August 2002 - 01:48 PM
It is fairly common to have at least some employees opt out of group sponsored health plan even if the company pays the entire cost. Most of the time it's because the spouse has a better plan. If the carrier requires 100% participation, also check and see if an employee can waive coverage due to having coverage through his or her spouse's plan. Carriers usually do not look at this as a decline, so it shouldn't hurt the participation requirement.