Health Insurance For Unmarried And Singles
Written by Todd Jones on November 27th, 2009
The employers extending health insurance coverage to the married partner of employees generally, and unfortunately, do not typically broaden the coverage to unmarried partners. There is no prerequisite for employers to offer health insurance to any employees, spouses, or “domestic partners.” ERISA also does not constrain employers that provide health insurance for employees and legal dependents to extend coverage to domestic partners.
Employers across the country have started offering domestic partner benefits in the last several years . Recently it has been found that the number of such employers is increasing. As small companies begun to follow the lead of large employers that have introduced domestic partner benefit plan in the recent months employment experts anticipate that this new trend will continue.
Domestic Partner Rights have been strengthened by the passing of several state and local laws in their favor. Ordinances mandating businesses with municipal contracts to offer same-sex benefits for unmarried couples have been passed by States like San Francisco, Los Angeles, and Seattle. Recently in Vermont they achieve the country’s first “civil union” law.
Benefits that the state’s married couples are entitled with, are by this Law being extended to same-sex couples as well. As of now we can say that Prearrangements about health insurance are still being written and the result is still unknown.
The level of coverage varies depending on the employer when benefits are offered to domestic partners. Long-term care, group life insurance, family and bereavement leave, and the most common are, health, dental, and vision insurance which are included in the domestic partner benefits. The characterization of domestic partner might perhaps alter from employer to employer. Inclusion of same-sex couples, unmarried opposite-sex couples, and common law marriages is done by other companies.
Some employers have kept a pre-requisite for same-sex partners to cover that only opposite-sex couples can receive spousal benefits by getting married, while same-sex couples do not have this option.Mindless of how the term is being described, employers make it mandatory for domestic partner to sign an affidavit which clearly states an assurance that they are in a lasting and committed relationship. Another pre-requisite is also mentioned by employers that a couple live together for a specified period of time before they are qualified for the benefits a domestic partner can basically get.
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This entry was posted on Friday, November 27th, 2009 at 8:14 am and is filed under Insurance. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.
Tags: Health Insurance, Insurance, medical insurance
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