Post # 1
Ok, I have a question for you married bees out there. My Darling Husband just accepted a job which will start in Aug. He has great benefits…I also got a job with horrible benefits. Am I allowed to deny my benefits and go on his? Or, will his company make me take my benefits first? What happens then. I need help! THanks!
Post # 3
If his job offers benefits to spouses, you should be able to go on his. He will likely have to contribute more to pay for the benefits (employee + 1 vs. just the employee). HR should send him home with info on the insurance options. Good luck!
Post # 4
My mom has to pay a monthly fee (in addition to the regular insurance costs) to get on my dad’s insurance because her company offers her (crummy) insurance.
My Fiance and I can easily get on each other’s insurances with no problems/extra fees.
It just depends on what his insurance tells him. I would call his compnay and see.
Post # 5
I believe if his job offers benefits to the spouse then you can be on his. But like PPs said he may have to contribute more.
Post # 6
THanks for all the information. If he does not have his id card yet, is it best to contact an HR person at his company for info. I’m assuming?
Post # 7
when he chooses his plan, there should be an option for “+1”
all he has to do is check that box.
Post # 8
Usually you can only unenroll from your own company’s benefits at open enrollment time. But, that shouldn’t stop you from going on his benefits. i believe you can have double coverage, you’ll just have to continue paying your company until open enrollment ends.
Post # 9
Hey! So yes…you are able to go onto his benefits at the time that his start. It’s called a Qualifying Life Event (QLE). The QLE of him gaining coverage allows you to drop your coverage. You’ll have to do it within 31 days of his benefits starting though.
In a normal case, you can only change your benefits during open enrollment or during a QLE. Marriage, having a baby, gaining coverage elsewhere are all QLEs. If you need any help with it at all, send me a PM. This is what I do for a living :o)
Post # 10
Have him check with his benefits administrator. I know with my employer, we have something called a “working spouse provision” which states that if your spouse is working and is eligible for health care coverage under their employers plan with requires an employee contribution of less than 50% of the plans premium, they will not be eligible under my employers insurance plan.
Post # 11
I will start later than he does so should he just add me and then when I start all my paperwork for my new job, deny my benefits?