Coverage Rules vs. Options

Understanding the choices you have versus the rules you need to follow—such as who must be covered under an employer’s group policy, how much the employer must pay and other issues—can be tricky. The rules and options tend to get tangled together, making it hard to differentiate what is mandatory from what is optional.

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One decision that you will need to make is whether to offer coverage to unmarried domestic partners. If you offer coverage to unmarried domestic partners of employees, most insurers will require an affidavit of domestic partnership. The affidavit establishes that the domestic partners are living together in a committed relationship, and intend to stay that way indefinitely.