Insurance News Update
Coverage Affected by Supreme Court Decision
The Supreme Court of the United States recently ruled that all couples have a fundamental right to marriage, whatever their gender (see ruling HERE). In addition, each state must recognize a marriage that was entered into in a different jurisdiction.
This means that marriage is the law of the land, and each state must allow couples of the same gender to marry. Same-sex spouses are entitled to the same legal obligations, responsibilities, protections and benefits provided under state laws to other spouses.
Employers who offer health coverage for spouses will now be required to provide coverage to same-sex spouses if they aren’t already.
- If an employer already offered the coverage during the past open enrollment, then the spouse will need to wait until the next open enrollment.
- If coverage was not offered before, the spouse will have until July 31 to sign up for the employer’s plan or wait until the next open enrollment.
- Newly married couples may add their spouse following the marriage as permitted under special enrollment guidelines.
For more information, visit HERE or contact a SW Risk Insurance Specialist today at 1-866-924-7976 (SWRM).
SW Risk Management