Guest MEJ Posted May 1, 2009 Report Share Posted May 1, 2009 Employee had dental-only coverage under COBRA from former employment and chose not to enroll in her current employer's combination of medical/dental plan. She will be losing dental-only coverage and now wants to join the medical/dental plan of employer. She is losing coverage because the former employer's plan is going away, not because of fraud or non-payment of premiums (which are exceptions in the current plan to joining under Special Enrollment). I'm thinking we have to let her on the combo medical/dental plan. Advice? Thoughts? Other considerations? Thanks for any insight you can provide! Link to comment Share on other sites More sharing options...
Guest sniffles Posted May 1, 2009 Report Share Posted May 1, 2009 If it is an "involuntary loss of coverage" I would let her enroll. As long as she did not just "drop" the coverage. Link to comment Share on other sites More sharing options...
Guest SHaddon Posted May 1, 2009 Report Share Posted May 1, 2009 I respectfully disagree. The loss of COBRA coverage for dental is a qualifying event that creates a special enrollment right. But the change must be consistent with the loss. In other words, allowing the employee to enroll in medical is not consistent with the loss of dental coverage. I believe that they are only eligible to enroll for dental at this time. Link to comment Share on other sites More sharing options...
J Simmons Posted May 1, 2009 Report Share Posted May 1, 2009 SHaddon: What if MEJ's plan does not allow for enrollment separately in just the dental, but requires the coverage be combo (medical/dental). Would you have to allow the EE to enroll in the combo coverage so that the dental coverage is continued? John Simmons johnsimmonslaw@gmail.com Note to Readers: For you, I'm a stranger posting on a bulletin board. Posts here should not be given the same weight as personalized advice from a professional who knows or can learn all the facts of your situation. Link to comment Share on other sites More sharing options...
Guest SHaddon Posted May 4, 2009 Report Share Posted May 4, 2009 SHaddon: What if MEJ's plan does not allow for enrollment separately in just the dental, but requires the coverage be combo (medical/dental). Would you have to allow the EE to enroll in the combo coverage so that the dental coverage is continued? If the benefits are "bundled" then the employee would be eligible to enroll in any of the benefits that are bundled with the dental. Link to comment Share on other sites More sharing options...
Recommended Posts
Create an account or sign in to comment
You need to be a member in order to leave a comment
Create an account
Sign up for a new account in our community. It's easy!
Register a new accountSign in
Already have an account? Sign in here.
Sign In Now