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Payroll Deduction Question

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An employer can deduct from wages the cost of a health insurance premium that an employee agrees to.  When an employee is on an unpaid leave of absence pursuant to the Family and Medical Leave Act, the employer must maintain the employee’s health insurance coverage but can require the employee to continue paying his share of premiums.  Since the leave is unpaid, the payment cannot be made via payroll deduction.  Typically, the employer will require the employee to submit checks for payment.  Are there any other options available to the employees for the payment of premiums? For example, can the company permit the employee to catch up on premiums when they return to work via extra payroll deductions?  Would that be a permitted payroll deduction?  Maybe do it as a loan from the Company to the employee? Is it still considered to be a health insurance premium, or has it become a loan that must be repaid to the employer?  Thanks


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There are multiple choices -- we ask for a check monthly OR a 1 time upfront if we know how long they are going to be out.

Only con of waiting until they come back is if they don't return, it's hard to get those premiums back then.  Even if treated as a loan.... We prefer the "pay as you go" to keep up with the amount owed.

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