Can my employer drop my insurance when I turn 65 and start on Medicare?
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Can my employer drop my insurance when I turn 65 and start on Medicare?
This is a small business, a jewelry store with about eleven people working in it, including owners. They have said when we turn 65 and get on medicare they will no longer pay for our insurance coverage, expecting us to take the loss of coverage and pay for supplemental coverage ourselves. I expect to have to work well past the age of 65, and see this as a hard hit financially. Is this legal? Are
there any options?
Asked on January 30, 2018 under Employment Labor Law, Indiana
Answers:
SJZ, Member, New York Bar / FreeAdvice Contributing Attorney
Answered 6 years ago | Contributor
It is perfectly legal. Remember: employers do not have to provide employees with health insurance, and there is no legal right to employer-provided health insurance. If employers do choose to provide health insurance, they may put limitations or restrictions on it, including the very common one that if employees can get health coverage some other way (e.g. from a spouse's company or, as here, through Medicare), the employee must use the other coverage and will not get health insurance from their employer.
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