Insurance with a new job

survivor11 · November 2011

I'm currently on long term disability from my job, have been off since May 2011 and won't be able to go back until Feb 2012. Don't plan on leaving my job anytime soon and they assure me my position is safe, but have had a few opportunities fall in my lap while I've been off. My question is, if I change jobs, can my new company's group insurance deny me because of a preexisting condition and would they pay if I had a reaccurance?

Thanks for any info.

lauri · November 2011

My understandfing is that if you go directly from one employer's group health insurance policy to another employer's group policy (no break of 63 days or more) then they have to accept you, with any pre-existing condition waiting period covered in your old policy period.

survivor11 · November 2011

Thanks for info.

radiant · November 2011

I think that's true, however, the new company can still have a 3 or 6 month clause not to treat any pre-existing conditions. I think things like that are quite common.

HTH,

Kim

cycle-path · November 2011

http://www.dol.gov/ebsa/newsroom/fshipaa.html

"Group health plans and issuers may not exclude an individual's preexisting medical condition from coverage for more than 12 months (18 months for late enrollees) after an individual's enrollment date.

"Under HIPAA, a new employer's plan must give individuals credit for the length of time they had prior continuous health coverage, without a break in coverage of 63 days or more, thereby reducing or eliminating the 12-month exclusion period (18 months for late enrollees)."

survivor11 · November 2011

thanks guys.

Insurance with a new job

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