How much should an employee know about health insurance?

How much does an employee need to know about their health insurance to be fully insured?

The answer depends on the individual.

In California, an employee should have access to all their health benefits, including premiums, copayments, coinsurance, deductibles, copays, and out-of-pocket costs.

The employee should also be able to request an employer-sponsored plan and sign up for the plan.

However, the California Labor Commissioner’s office has ruled that it is not illegal to not be fully covered.

What if I don’t have a health plan?

There are some situations where employees may not have access.

For example, if an employee has a condition that requires a prescription for medication, an employer must allow the employee to buy the medication.

If an employee is under 18 years old and the employer does not have a plan for employees under 18, the employee may be able a plan through the California Department of Public Health.

The department also offers health insurance options for employees with pre-existing conditions.

Some state health agencies require employees to have coverage, but employers have to provide coverage and cover deductibles and copays for their employees.

In general, employers must offer health insurance for employees if they meet certain criteria, including having at least 50% of their workforce covered, a deductible of at least $1,000 per month, and a copay of at the lowest rate for any coverage.

Health insurance premiums and copayment rates vary from state to state, but they generally range from $10-$15 per month for small businesses to $30-$50 per month at large employers.

In addition, many employers require employees and their dependents to have medical coverage.

If you are unsure about how much coverage you may need, call your insurance company or visit your local health department.

What happens if I am injured while on sick leave?

The California Labor Code states that a worker is entitled to 100% of any sick leave taken during the employee’s absence.

If a worker needs more time off, their employer must provide that leave to the worker.

However the California Wage and Hour Division has ruled in the past that employees should be paid for any time they work on the job that they have been injured, whether that time is covered or not.

However employers must provide the worker with a reasonable amount of time off after their injury.

It is illegal for employers to use workers’ comp as a cover to avoid paying for sick leave.

Is there a maximum number of sick days an employee may take off per year?

Yes, employees must take at least 25 days off per calendar year.

The California Department the Employment Standards Code also states that an employee can take one week of vacation per year.

Employees can take as much time off as they want per calendar month.

Is a sick leave benefit required?

Yes.

Employers must provide employees with at least one paid sick leave plan for their workplace.

However if an employer does NOT provide a sick Leave Benefit, an independent employee can file a claim.

The employer must also provide a written agreement that includes the amount of the sick leave, and any other requirements the employee has for obtaining a benefit.

How do I file a lawsuit?

The Department of Insurance and the California Human Resources Code both require employers to provide workers with the same employee-paid benefits as they provide to employees in California.

However some employers offer other benefits that may qualify as benefits.

Employer must provide employee with benefits that provide at least the same amount of benefits as the employee is eligible for.

An independent employee cannot file a class action lawsuit on behalf of employees.

What is a minimum wage?

The minimum wage in California is $8.25 per hour.

However many states have higher minimum wage rates.

The federal minimum wage is $7.25.

If my company offers a benefit for working less than the federal minimum, is it illegal to pay employees less?

Yes and no.

The Department is currently reviewing laws regarding working hours.

There is currently a federal law that sets a minimum hourly wage for workers that is higher than the state minimum.

However there is a federal court ruling that does not permit employers to pay workers less than minimum wage.

If your employer offers a health insurance benefit, you should be able request it from the employee, but if the employer chooses to pay the employee less than that minimum, then you may not be able get that benefit.

Does my employer have to pay me if I leave?

No.

In most cases, an employees leave benefits must be approved by the employer.

However in some cases, a worker may be eligible for leave without pay.

In that case, the employer must pay the worker a reasonable portion of the time off they are required to take.

Does an employee have to stay at the employer to receive benefits?

No, unless an employee was hired at the company as a temporary or seasonal employee.

What about my benefits?

The employee’s health insurance benefits are