New hire, ‘Joe’ tells you he doesn’t need your group health insurance. He has coverage through his wife’s employer.
Later, when Joe doesn’t show up for work, his wife calls and says he’s had an accident. Worse, the hospital is complaining because they can’t verify he has any insurance. (Apparently he did not enroll in his wife’s plan after all.)
So, Joe then claims you never offered him coverage. Can you prove otherwise?
Sure, because you were smart and had Joe sign a waiver when he chose NOT to enroll in you health plan.