Navigation Links
Health Insurance Options for Domestic Partnerships
Date:7/9/2009

KANSAS CITY, Mo., July 9 /PRNewswire/ -- Legalized marriage for same-sex couples continues to be a headline issue in states like New York, California and New Hampshire. However, in most states, domestic partnerships have little or no legal recognition. Domestic partners in all states need to get smart about their health care insurance to make sure they are properly covered. The National Association of Insurance Commissioners (NAIC) provides these tips to help same-sex couples recognize their options.

  1. Employer-provided benefits are on the rise. Thirty-four percent of large employers offer benefits to domestic partners, a 180 percent jump from just 12 percent in 2000(1). Before enrolling, check directly with your health insurer or human resources department to ensure your partner will be covered, and how your employer's plan verifies eligibility for your partner (usually through formal documentation or evidence of joint bank accounts or property ownership or lease).
  2. Add your partner to an individual policy. If you have an individual policy, check with your insurer to add a domestic partner to it as a family member. State requirements on this may vary.
  3. Establish coverage for children. If you and your domestic partner have dependent children, they could be eligible for health care coverage as dependents. You may need to provide your employer or insurance company with legal documentation as proof of their dependency. In states that do not recognize both of you as parents, you may need to obtain additional documentation from a local court. Ask your legal advisor for details.
  4. Learn tax implications. Typically, health benefits provided to domestic partners through employers aren't exempt from federal tax liability, and state tax exemptions vary. The benefits could be recognized as income, and pre-tax dollars from flexible spending accounts or health savings accounts cannot be used to cover domestic partner benefits. The recipient may be exempt from these taxes if supported by his or her partner. To determine if you meet the criteria, see page 33 of IRS Publication 17 or contact your state insurance department. Go to www.naic.org/state_web_map.htm for a link to your state insurance department's Web site.
  5. Continue coverage with COBRA. If your domestic partnership dissolves and you receive health benefits from your partner's employer-sponsored group health plan, you may be entitled to continue your coverage under state and local COBRA-like laws for up to 18 months after you exit the plan. Check with your state insurance department for further information on mini-COBRA laws in your state.
  6. Establish health care power of attorney. Domestic partners may want to consider creating a health care proxy or health care power of attorney document indicating you have designated your partner to make medical decisions for you if you are incapacitated and also to allow for hospital visitation. The document should be prepared by an attorney and kept in a safe, accessible place if you or your partner need it. You can also place it on file with your physician to make the doctor aware of your wishes. Ask your legal advisor for details.
  7. If your employer's plan does not provide domestic partner coverage, then ask about including it at renewal. Research and experience with domestic partner benefits shows that domestic partner coverage does not add significant additional costs to employer plans (estimated 1% to 3% maximum increase). Many insurers will only offer domestic partner benefits as part of a benefit package upon request of the employer. If your plan does not include domestic partner benefits, ask your benefits manager to consider adding the coverage when the plan renews.

More Information

If you have questions about your policy, you can seek the help of the NAIC or your state insurance commissioner. Visit www.InsureUonline.org to find answers to your questions or to contact your state insurance department.

About the NAIC

Formed in 1871, the National Association of Insurance Commissioners (NAIC) is a voluntary organization of the chief insurance regulatory officials of the 50 states, the District of Columbia and five U.S. territories. The NAIC has three offices: Executive Office, Washington, D.C.; Central Office, Kansas City, Mo.; and Securities Valuation Office, New York City. The NAIC serves the needs of consumers and the industry, with an overriding objective of supporting state insurance regulators as they protect consumers and maintain the financial stability of the insurance marketplace. For more consumer information, visit insureUonline.org.

(1) Mercer National Survey of Employer-Sponsored Health Plans (2008)

    CONTACT:
    Monica Charleston,
    312-233-1317
    monica.charleston@edelman.com


'/>"/>
SOURCE National Association of Insurance Commissioners
Copyright©2009 PR Newswire.
All rights reserved

Related medicine news :

1. Statement by Registered Dietitian and American Dietetic Association President Jessie M. Pavlinac on Health Reform and Conservation of Natural Resources
2. Go Healthy Announces Negotiations With Bottling Facilities
3. AMN Healthcare Services to Host 2009 Second Quarter Earnings Conference Call on Thursday, August 6, 2009
4. Scottsdale Healthcare Streamlines Contract Labor Process with Broadlane Workforce Management
5. Long-Term Care Financing Must Be Part of Health Care Reform
6. Health Physics Society 54th Annual Meeting
7. The next health tsunami: Noncommunicable diseases
8. Universal Health Services, Inc. Announces Daniel B. Silvers Appointed to Board of Directors
9. Statement About Agreement With White House and Senate Finance Committee on Health Reform
10. California Department of Public Health Reports Large Increase in Pet Euthanasia
11. While Health Clubs Say No to Canckles, Leading Podiatrists Say No to Toenail Fungus
Post Your Comments:
*Name:
*Comment:
*Email:
(Date:10/13/2017)... , ... October 13, 2017 , ... The Visiting Nurse ... Market. Featuring a collection of specialty vendors and unique items from across the nation, ... quality-focused health and wellness services offered by the VNA. The boutique will be ...
(Date:10/13/2017)... VA (PRWEB) , ... October 13, 2017 , ... ... of DevOps and Agile Software Development, has been awarded a contract by the ... Blanket Purchase Agreement (BPA) aims to accelerate the enterprise use of Agile methodologies ...
(Date:10/12/2017)... New Orleans, LA (PRWEB) , ... October 12, 2017 , ... ... fitness centers in the U.S., announced today its plans to open a flagship location ... club will occupy the former Rooms To Go store next to Office Depot in ...
(Date:10/12/2017)... , ... October 12, 2017 , ... ... delivery system that we intend to develop to enable prevention of a major ... to severe hearing loss, especially in pediatric patients. For cisplatin, hearing loss is ...
(Date:10/12/2017)... (PRWEB) , ... October 12, 2017 , ... ... been named one of Michigan’s 2017 Best and Brightest in Wellness® by Best ... in Wellness® awards program on Friday, Oct. 20 from 7:30 a.m. to 2 ...
Breaking Medicine News(10 mins):
(Date:10/11/2017)... , Oct. 11, 2017  BioPharmX Corporation (NYSE MKT: ... that developed an innovative way to use nonlinear optical ... delivery of new drugs. ... Dermatology Conference will show how researchers from BioPharmX and ... Medical School used a suite of imaging techniques in ...
(Date:10/11/2017)... 11, 2017  True Health, a leader in ... effort during National Breast Cancer Awareness month to ... Research recently ... that more than 10 million American women are ... BRCA1 or BRCA2 and have not had testing. These ...
(Date:10/10/2017)... -- NDS received FDA 510(k) clearance in May 2017 for its highly ... designed for endoscopy environments. An innovative secondary monitor solution, ZeroWire ... support the improvement of patient outcomes, procedural efficiency, and the lowering ... ... ...
Breaking Medicine Technology: