“Was I given incorrect insurance information by HR in Florida? What actions can I take if my spouse was wrongly excluded from my benefits? #HRmistake #Insuranceinformation #Florida #Employeebenefits”
### New Marriage and Insurance Dilemma
– Recently married in January
– Contacted HR to add spouse to insurance
– Informed spouse couldn’t be added due to being “grandfathered in”
– Discovered this information was wrong
– Now unable to add spouse until October
### Feeling Slighted by Company
– Is it fair to feel upset?
– What course of action should be taken?
### Seeking Advice
– Suggestions welcome
– Have you experienced a similar situation?
– Grateful for any help!
Always call your provider when you have a specific insurance question
Would getting her private insurance for a month and then canceling it trigger a new qualifying event?
I’ve handled benefits for 10 years and while technically the window for a QLE is indeed 30 days if the employer or broker requests a late add more often than not the carrier will make an exception. Especially when it’s only a couple weeks late.
If your company uses a broker you could also try asking them directly, explaining what happened. HR ultimately makes the call on whether they’ll make the request but if the broker can explain that a request can be made HR may be embarrassed enough to reverse their stance.
Does your wife have insurance now? Is there a way to lose the insurance? If so, that’s a QLE. Talk to HR, explain your situation and frustration about misinformation and see what can be done, there’s sometimes creative ways to make it happen.