I m on my retired husbands insurance. He died. They are saying I no longer have insurance and if I do, it s $1,083 month. Can they do this?

  • by Spink
  • Mar 19,2017
  • 12 answers

I m on my retired husbands insurance. He died. They are saying I no longer have insurance and if I do, it s $1,083 month. Can they do this?


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Insurance Answers (12)

Beverly S last month

Yes.

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L. E. Gant last month

Unfortunately, yes, they can. The thing is, your late husband is no longer paying for insurance.

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Flower last month

If you want to buy insurance through the company they gave you the price. Of course it is a ridiculous price, so you buy yourself a policy on your own, from the state or federal exchange. Can they do what? They dont have to offer you health insurance.

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StephenWeinstein last month

A dead person cannot remain insured. You cannot be on the insurance of a dead person. They cannot keep you on it. To have insurance, you have to get insurance that is not his. And they usually cannot give you insurance for free. They can't make you pay them for it, but if you don't pay them for it, then they probably can't let you have it from them. You might be able to buy the insurance somewhere else, but you'd have to pay there also.

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tro last month

of course
he was insured and that policy ended at his death including coverage for you
you now provide your own insurance

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Judith last month

Of course they can or they wouldn't be doing it. Many benefits end when an employee or former employee dies. You need to look for insurance. AARP or the organization on aging might be able to help you.

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C last month

Yes they can. Sometimes companies offer the retiree a choice: 1) lower benefits until they both die or 2) Higher benefits until the employee dies. Sometime there is no choice and coverage ends when the employee passes away. The price they are offering is likely Cobra coverage, and even that is only offered for 18 months, and you'd need to find something else after that.
I am sorry for your loss. If you are disabled, you may be able to collect against his Social Security

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shipwreck last month

Yes, many benefits for employees and retired employees end when the employee dies. You can buy other insurance since you had a life event you don't need to wait for the time of year to get it.

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Grundoon last month

yes

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Donald B last month

Yes, as you have heard the insurance industry has been raising their prices which is why there is an attempt to redo our health insurance laws.

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coraann last month

It would seem that your husband worked for a company that provided insurance
for both of you, "while he was living". When an employee dies, the family no
longer have any insurance. However, that insurance company is offering insurance
to you,as part of the company policy for $1083. per month. You have the choice
to accept it or decline it. It would be far more costly with any other company.

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Ricki last month

Quite likely. You would have been a second covered person on your husbands insurance. When he died, his employment and health health care likely terminated which means yours terminated. If they are offering you a way to continue it, it likely sounds like some form of COBRA which they no longer pay part of the cost esulting in much higher costs to you.

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