Disabled Employees

[Guest pjb]

Can anyone give me a reference that defines disabled employee for purposes of continuing health coverage?

I understand large group health plans that cover employers who have at least 100 employees must cover disabled employees.

Thanks

[KIP KRAUS]

Typically continuation of medical coverage under a group health plan is a state mandated coverage required of fully insured medical plans. The insurer will have a definition of what is determined to be total disability for purposes of continuing medical coverage. In addition, in the provisions I recall seeing coverage is only continued for the condition related to the total disability.

I’m not aware of any requirement to have this provision in a self-insured plan of any size.

[Kirk Maldonado]

You could start your search with IRC Section 5000.