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Frequently Asked Questions

If I quit my job, can I still get health insurance?

Purchase a Franchise, Franchise Consulting, Franchisor Servi...
A.1.This is one of the most often asked questions when someone has been an employee for a number of years. First, you must remember that your employer may have been covering some of the cost of your health insurance. Next, you must always consider your insurability and seek the advice of a licensed insurance professional.
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Can I draw benefits if I quit my job?

Frequently Asked Questions | Job Seekers | Georgia Departmen...
If you quit, you may be eligible to draw benefits if you can show that you quit for good work-connected reason(s). Examples of good work-connected reasons are material change in working conditions, material change in working agreement, nonpayment for work, and similar reasons. You will not be able to draw benefits if your reason for quitting was personal even though the personal reason was a good or compelling one.
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What if I quit my job?

Frequently Asked Questions (FAQs)
If you decide to quit your job, you must first consult with your POC before taking any action. If you quit first, your actions may result in program termination and departure from the U.S. within 10 days of quitting. Consultation with the POC allows the participant and employer to improve work relations if possible.
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Health Insurance: What about my health insurance?

USD Study Abroad
U.S. STUDENTS ONLY: All U.S. students should provide to our office evidence of medical insurance valid in England by sending us a photocopy of your insurance card showing the dates you are covered. We recommend the International Student ID Card, which costs about $25.00. It provides some medical and travel insurance and student discounts. International Student ID cards can be obtained from STA Travel or call 1-858-544-9632 or 1-800-226-8624 or at the USD UC Box Office.
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Face The Music: Frequently Asked Questions
If you're asking the question, the answer is "yes." Oh, maybe not today, what with that large mortgage you signed up for years ago, that outstanding credit card debt, and your kid's education... but we wouldn't suggest waiting more than two years. Any more than that and you're probably in for the long haul.
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The Government of the Hong Kong Special Administrative Regio...
After the issue of visa, if there is any change regarding your sponsorship, you or your company should inform us of the termination by post or by fax to (852) 2586 1431 as soon as possible. Overseas employees are not allowed to change employment or take up part time job without the permission of the Immigration Department. Those who have breached their condition of stay will be liable to prosecution.
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Can I quit my job and collect Unemployment Insurance Benefits?

FAQs (Frequently Asked Questions)
The general rule is that a person who voluntarily leaves suitable work without good cause, attributable to the employer, is not eligible for benefits. For good cause to be attributable to the employer, it must relate to the wages, hours, or working conditions of the job. A change in conditions created by your employer or a breach of your employment agreement which is substantial and adversely affects you may be good cause to quit.
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I was laid off/quit the district. What happens to my health insurance? How does COBRA work?

Benefits & Payroll - Q & A
The federal law known as COBRA (sometimes called "continuation coverage") protects the health care rights of workers who are laid off, as well as spouses and dependents in certain situations. It enables you to keep your benefits for 18 months, and sometimes up to 36 months, depending on the circumstances. You will be responsible for paying the full monthly premiums that your employer previously paid, plus a slight administrative fee of up to 2 percent.
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I am recently unemployed and have lost my job-based health insurance coverage. What can I do?

Commonly Asked Questions about Health Insurance - Advocacy &...
If you were covered under a group health plan that was sponsored by an employer with 20 or more workers, you are probably eligible for COBRA continuation coverage. COBRA gives you the right to continue under your former group health plan for limited time, but you must pay the entire premium (employer and employee share). At least one state offers COBRA premium subsidies.
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What about health insurance? Is student health insurance available?

UTSA Health Services Web Site
All students are strongly encouraged to have adequate health and accident insurance and carry health insurance identification cards at all times to expedite any medical treatment. A student health insurance plan is available to all UTSA students. For information on coverage, costs, and applications contact Student Resources online at www.studentresources.com, or by calling 1-800-767-0700. The health policy can be purchased by the semester or annually.
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What happens to my pension if I quit my job, am fired, or if my employer goes out of business?

Wage & Hour
Most private pension plans are covered by the federal Employee Retirement Income Security Act (ERISA), not by state law. The Employee Benefits Security Administration (EBSA) of the U.S. Department of Labor is responsible for regulations in this area. Call (617) 569-9600 or visit the EBSA website at http://www.dol.gov/ebsa.
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I quit my job and my employer refuses to pay me for my last week worked. What can I do?

Frequently Asked Questions | Job Seekers | Georgia Departmen...
Often employers and workers disagree over final amounts due. The Fair Labor Standards Act requires that employees be paid at least minimum wage for all hours worked, and time and a half for any overtime hours worked; salaried personnel must also be paid. The USDOL Wage and Hour Division enforces these requirements, but enforcement may be slow.
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Can employees get the same health insurance benefits in their new job as they had in their old job?

HIPAA - Insurance Reform Employer FAQ
No, HIPAA does not require you to offer specific benefits. Also, premiums, copayments, and deductibles may differ.
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My job doesn't offer health insurance. Where would I get health insurance?

Department of Health:Health FAQs
New York State has a program called Family Health Plus that provides adults ages19 - 64 with health insurance coverage. You may find out more about this program at www.health.state.ny.us/nysdoh/fhplus. To find out whether you are eligible for Family Health Plus call the Dutchess County Community Action at 845.452.5104 (Poughkeepsie); 845.831.2620 (Beacon); 845.876.1611 (Red Hook); 845.877.9272 (Dover Plains) or log on to their website at www.dccaa.org.
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Where can I obtain health insurance?

WI Commissioner of Insurance Frequently Asked Questions on H...
The best way to obtain health insurance is by contacting local area health insurance agents. They can look for ways to get you the most protection at an affordable cost. Agents and companies are listed alphabetically and by location in the yellow pages of your telephone directory. Insurance premiums can vary substantially from company to company so it usually pays to check with several companies before making a final choice.
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What can I do if I can't find health insurance?

WI Commissioner of Insurance Frequently Asked Questions on H...
The Wisconsin Health Insurance Risk Sharing Plan (HIRSP) offers health insurance to Wisconsin residents who, due to their medical conditions, are unable to find adequate health insurance coverage in the private market. Information on HIRSP may be obtained by contacting:
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What can I do if I can't afford health insurance?

WI Commissioner of Insurance Frequently Asked Questions on H...
BadgerCare is Wisconsin's program to assist lower income, working families obtain health insurance at a reasonable price. To be eligible for BadgerCare, you must meet all of the following criteria: you must have children under age 19 living with you; your income must be within the guideline limits; and you must not be covered by any other health insurance. BadgerCare provides a comprehensive health benefit package.
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My health insurance premiums keep going up. What can I do?

Wisconsin Small Employer - Frequently Asked Questions
with any major purchase, it is wise to shop around to make sure you are getting the most for your money. Make sure you find the insurance product that best fits your needs. There are several ways you may be able to lower your premium including: paying a higher deductible and/or copayment; increasing your maximum out-of-pocket payment; reducing or dropping coverage for certain services. Be careful not to give up an essential benefit.
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Can my health insurance be terminated for any reason?

Frequently Asked Health Insurance Questions
Illinois provides strong consumer protection. In general, the insurance company can terminate your coverage for only the following reasons: (1) failure to make premium payment within the payment grace period, (2) material omission or misrepresentation on your health insurance application, or (3) the insurance company entirely withdraws from the individual health insurance business in your state.
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What is short-term health insurance?

Frequently Asked Health Insurance Questions
Short-term health insurance is designed to fill temporary gaps in your "permanent" health insurance coverage. These policies are relatively inexpensive and can go into effect very quickly. Most short-term plans last for no more than six months. You can purchase short-term health insurance coverage in one-month increments or in a single payment for one to six months of coverage. All short-term plans exclude coverage for pre-existing conditions.
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What are "pooled" health insurance rates?

Frequently Asked Health Insurance Questions
Pooling" is, in our opinion, the most fair approach to setting health insurance rates. A health insurance company operating under a pure "pooled" approach uses the same method in determining rates for both new and existing clients, regardless of the client's health status or claims history. In other words, insurance companies with "pooled" rates do not charge lower rates to entice new customers, while charging higher rates to long-time customers.
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What is health insurance trend?

Frequently Asked Health Insurance Questions
Health insurance trend is an annual percentage increase in health insurance claim costs. The two primary components of health insurance trend are (1) inflation of costs physicians and hospitals charge for health care services and (2) increases in the average utilization of these services.
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Can my health insurance application be denied?

Frequently Asked Health Insurance Questions
Yes. Whether an application is approved or denied depends on the applicant's health. Contact your independent health insurance agent to get a realistic assessment regarding your own circumstance.
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I am pregnant. Can I obtain health insurance?

Frequently Asked Health Insurance Questions
No insurance company underwriting individual or family health coverage will agree to insure you while you are pregnant. However, group health insurance plans will accept new enrollees who are pregnant. So, if you are pregnant and have an opportunity to enroll in a group health insurance plan, take advantage. Otherwise, you may wish to look into your state's comprehensive "safety net" plan.
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Where Can You Get Health Insurance Coverage?

Frequently Asked Questions on Credit, Debt, Finance
If your employer does not offer group insurance, or if the insurance offered is very limited, you can buy an individual policy. You can get fee-for-service, HMO, or PPO protection. But you should compare your options and shop carefully because coverage and costs vary from company to company.
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