Individual Life Insurance

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Here’s a sampling of what’s included in your Value-Added HR Online Library

• Live expert advisors to help you solve your most complex HR issues.
• Get policies, forms, regulations, best practices, audit checklist, federal compliance, employee handbook, job descriptions and more.
• Compensation surveys, bench-marking, and more.
• Recruitment tips & project management courses.
• Training webinars that cover a variety of HR and employee management topics such as compensation, benefits, workplace safety, sexual harassment, workplace violence,  hiring and firing,  and more.

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What if you miss the deadline?

You can still sign up for health insurance after the deadline if you meet any of the following qualifying events:

• change in legal marital status
• a change in the number of dependents
• a change in place of residence and the current carrier is not available
• significant cost or coverage change
• a change in coverage of a spouse or dependant
• a COBRA qualifying event
• legal judgements, decrees and orders
• entitlement to Medicare or Medicaid

What if I miss the deadline?

Once enrolled in Medicare, if you wish to change or purchase Medicare plans you must act during the open enrollment period.*

When open enrollment is closed, there are special circumstances in which one may qualify to enroll outside of the enrollment period. Listed below are the qualifying events:

-You are turning 65
-You move to a new area that is not in your current plan’s service area
-Recently moved back to the US
-You lose your current coverage (either Group or Medicaid)
-You now need a SNP (Special Needs Plan) or you no longer need a SNP

*Note that Medicare Supplement plans can be purchased any time of the year, but do not require medical underwriting during Medicare open enrollment.