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Different plans for different employees


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Posted

I've been with my company almost 2 years, and was enrolled in a medical benefits plan on day one. I was just told the plan I'm in is no longer being offered to hourly employees, it's only being offered to salaried employees. They then offered me a plan that's not much better than no coverage at all. I know they don't have to offer a plan at all here in New York, but can they offer 2 different plans based on hourly or salary, and can they just reduce my plan like this?

Posted

Sorry to say, but yes. There is no legal requirement anywhere, yet, that requires a health plan be offered to employees. There are rules that prohibit discrimination in a group, for example, if you offer coverage to salaried employees, you cannot exclude someone in that "salaried group" of employees. Are you eligible for an extension under cobra?

Posted

If you have specific questions, this might be helpful:

http://www.labor.ny.gov/home

I'm a retirement actuary. Nothing about my comments is intended or should be construed as investment, tax, legal or accounting advice. Occasionally, but not all the time, it might be reasonable to interpret my comments as actuarial or consulting advice.

Posted

I called NYS Labor Standards today and was told they can offer what they want to who they want. Damn I HAD good benefits!

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