Health insurance premiums are usually split between the employer and covered employees.
But it is common for some lower cost employee benefits plans to be paid 100% by the
employer; e.g., group life insurance and short term disability income.
When an employee waives coverage under the health plan, administrators often mistakenly
assume the waiver also applies to other lines of coverage.
That’s just not the case.
Insurance companies stipulate that if premiums are 100% paid by the employer, 100% of full
time eligible employees must be enrolled. Make sure your enrollments are up to date.
Premiums back to the original effective date will have to be paid.
As annoying as that may be, it’s better than finding out at the time of a claim, there’s no
coverage at all.