Applied for insurance at work

[Horse with no Name]

For myself and dependants...and never in my life have I ever had to supply the information they have requested.
They want marriage licenses, birth certificates, tax returns...I can't believe that I have to submit this much information for a group health insurance policy.
Is this standard these days?

[wakeme2008]

1. I could understand for a family policy the

marriage lic and birth certifcates but WHY the tax returns. :shrug:

[Horse with no Name]

3. To make sure they are my legal dependents

It sure seems like an awful lot of information to put out there for the honor of paying $400 a month in premiums.

[bullimiami]

2. not in my experience.

[Gormy Cuss]

4. Tax returns?

The validation of family status is getting out of control. If that's becoming standard then the terrorists (insurance companies) have won.

If all they are trying to do is verify dependent status, copy the first page of your tax return, black out everything except the top where your name, SSN, and address appear, and the questions directly relevant. It's none of their business what your gross income was last year, for example, but if you provide it I can promise you that it will be used. Insurance companies mine data relentlessly.

[Horse with no Name]

6. It's been several years since I applied on a group policy

Back then, all I did was write down names. This blew me away.

[sutz12]

5. Welcome to the Brave New World. nt

[Caoimhe]

7. This year

I got hit with a new form. My insurance (my husband is also employed and we are double covered) wants to know exactly what other members of my household have insurance and who is covered, along with policy numbers. I filled in his name and put his policy number, then they sent it back wanting to know exactly what was covered and if I was covered under his policy.

I see this as an attempt to get information and fight paying for things! Pisses me off. It is no insurance carriers business what other insurance I have.

[Horse with no Name]

9. I plan on dropping the policy that we have currently

because it is costly and a crappy policy...I didn't think it was their business to know that so I didn't put it on the form.

[Coyote_Bandit]

10. Most insurance policies contain language that states

that they will not provide coverage if you have other insurance coverage available. If your policy contains that kind of language and if that is permitted in the state where you live then the insurer can require you to detail what oher insurance you have.

I was double covered for awhile and ran into this issue when I filed a claim. I was not happy (!!!) with the way it was handled and filed a formal complaint with the state insurance department consumer division. Both of my carriers initially denied coverage because other coverage was available. Thanks to the bureaucrats the two carriers ended up each paying 50% on the claim.

[foreverdem]

8. I've never heard of this