NP haven't read all the posts, but this happened to me when I forgot to send my baby's birth certificate and they dropped her. I called the day I was told she was dropped and put up a huge stink until they let me talk to a benefits coordinator, who quickly made it right once I got them the documents. All was fixed within a week. So I would call the insurance company and don't let them give you the runaround, demand to talk to a coordinator or manager and tell them that despite the misunderstanding it's not acceptable to go uninsured.

Anonymous wrote:OP, how big is DH's company? Go to the CEO or other senior manager if HR won't help. Have them contact the insurance company. ANd get the name of the rep they deal with directly and speak to them yourself too.

Insurance companies do bend the rules when they think the are getting on the wrong side of a big client. They can change this. Has DH already raised this with the head of HR?

It is a very large company. DH is also a fairly large revenue producer. At first DH was furious that HR would not work with him. He does not want to bother the president over health insurance. I think DH just realizes that he did not fill out this form and is his fault.

We decided to just throw money at the problem and buy insurance for the next few months.

Anonymous wrote:My company is going through one of these dependent audits right now. There were multiple emails, snail mails (from the auditor, which is of course a third party) and pamphlets, etc. I am not sure how your DH's company handled it, though. That said, ours was pretty clear that if you didn't complete it by the deadline you were SOL.

OP here. We are SOL. I'm buying insurance on the exchange.

My company is going through one of these dependent audits right now. There were multiple emails, snail mails (from the auditor, which is of course a third party) and pamphlets, etc. I am not sure how your DH's company handled it, though. That said, ours was pretty clear that if you didn't complete it by the deadline you were SOL.

It varies among organizations. We had active enrollment this year. Whether you were making changes or not you had to go into the system and confirm. This was communicated a ton to employees so no one was surprised.

OP, how big is DH's company? Go to the CEO or other senior manager if HR won't help. Have them contact the insurance company. ANd get the name of the rep they deal with directly and speak to them yourself too.

Insurance companies do bend the rules when they think the are getting on the wrong side of a big client. They can change this. Has DH already raised this with the head of HR?

As someone else said, insurance is a pre-tax thing, and therefore, if the amount wasn't taken out, the net pay would have gone up. I am surprised y'all didn't notice that.

Someone else also said that unless you need to change something, your benefits remain the same yearly. That is how it works where I work.

I guess the OP has learned a lesson, open up every single piece of mail, regardless what it looks like on the outside.