Employer taking out health insurance premiums, but no coverage yet -- legal?

Group health insurance premiums are "pre-paid". Premiums that are taken out of your check in Feb. will pay March premiums, etc. There is usually only a two week (or one payroll cycle) advance payment though. I have seen it go as far as one entire month in advance, but this is somewhat rare. Anything beyond that and there is probably an issue with the enrollment paperwork. If the effective date of the benefits are changed, then he would be entitled to a refund of the premiums already paid for months there was no coverage. The employer usually will have an Insurance Agent that helps with the benefits. Find out who that is and they may be able to help.

I hope it works out....

Ask the Benefits Administrator in your company for complete disclosure/resolution of the matter. They are required to provide information within 30 days. You can even write to the local Employee Benefits Security Admin office (run by DOL). Go through ERISA rights on Dept of Labor website.

confident, it particularly is particularly uncomplicated simply by fact the enterprise owes the coverage enterprise in July for insurance that starts in August. it could be unusual for them to pay the top rate and deduct it. in the event that they owe it then why would not you? No vast deal however because you may in simple terms make the declare on your contemporary coverage. that's the plan you deliberate on retaining till your new insurance went into result on August 1st.

My guess is the coverage will be retroactive and therefore the issue will resolve itself.

If they make the coverage retroactive, then it's legal. If they don't, that's a problem.