For context, this is in the US. I got married and 2 weeks later had my last day at my professional job with benefits. I gave my notice slightly before getting married and my last day was approximately 2 weeks after the wedding. I asked about getting my wife added onto my benefits after getting back form the honeymoon but before I left the job, and the HR dept. directed me to the company that handles the insurance packages for the company. I called the insurance company and was told that because of the way the company is set up, that life changes have to be processed by the company's HR dept. and not by the insurance company. They also informed me that because we were married while I was still covered by insurance, that I would have 30 days from the date of the wedding to get my insurance changed to retroactively cover my wife for the last 2 weeks of my employment, which would then give her eligibility to be covered by COBRA. I contacted the HR department and left a message asking to add my wife for the purpose stated above and the response was that the HR department would think about it and let me know what their position would be in a few days.
My questions are...
- Is what the insurance company told me accurate?
- Is the company legally obligated to go through with adding my new wife on the policy despite the fact that I am no longer an employee? Or, are they allowed to say screw you, you should have processed this earlier?
Thanks in advance for the help!
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