Am I required to get insurance for nanny if she is covered already through husband?

[Anonymous]

My potential nanny's health insurance is already covered through her husband's military retirement coverage, which has a very nice package. She doesn't want any extra coverage. Am I still required to get her separate insurance since I will be "employing" her?

[Anonymous]

No. You aren't required

[Anonymous]

Really OP, you thought you might be required to buy a Nanny's health insurance, even though she already has it? What made you think that? Sorry, but I call troll. How could anyone be that dense? Please explain.

[Anonymous]

No, you don't have to provide her with insurance as her employer. You need a certain number (50 I think?) of employees before you're required to provide insurance.

[Anonymous]

Even if she didn't have coverage you are not required to provide it. A lot of nanny employers give monthly allowances so the nanny can buy their own.

[Anonymous]

"Anonymous

No, you don't have to provide her with insurance as her employer. You need a certain number (50 I think?) of employees before you're required to provide insurance."

+1

[Anonymous]

Anonymous wrote:Really OP, you thought you might be required to buy a Nanny's health insurance, even though she already has it? What made you think that? Sorry, but I call troll. How could anyone be that dense? Please explain.

She's probably only vaguely aware of the rules of the ACA (which does require employers to provide insurance). It doesn't apply to her because she doesn't have enough employees, but it's hardly a suspicious question.

[Anonymous]

Anonymous wrote:Really OP, you thought you might be required to buy a Nanny's health insurance, even though she already has it? What made you think that? Sorry, but I call troll. How could anyone be that dense? Please explain.

OP here.
Sorry I am not as smart as you are. I am just seeing on here about how everyone else is proving health insurance or a stipend and wondered if it was a requirement. This FTM is still trying to learn about the nanny world.

[Anonymous]

Proving = providing

[Anonymous]

OP, she has tricare. It actually makes things far more complicated to have private insurance on top of tricare. We are a tricare family. We do not take our employer insurance as then tricare becomes secondary and for us having care on base is easier. What some of my husband's companies have done is to give him a little extra monthly instead of the insurance as it saves them and us money by not taking it. If she has tricare prime, they pay a minimal monthly amount depending on rank and very low co-pays. Don't feel bad about not providing it.

[Anonymous]

Anonymous wrote:OP, she has tricare. It actually makes things far more complicated to have private insurance on top of tricare. We are a tricare family. We do not take our employer insurance as then tricare becomes secondary and for us having care on base is easier. What some of my husband's companies have done is to give him a little extra monthly instead of the insurance as it saves them and us money by not taking it. If she has tricare prime, they pay a minimal monthly amount depending on rank and very low co-pays. Don't feel bad about not providing it.

Thanks so much! Good idea.

[Anonymous]

Where are you located because you may be required to have Coleman's comp. Ins. Even if not required, you should still get it to protect yourself.

[Anonymous]

Workman's comp. Not Coleman's .

[Anonymous]

Anonymous wrote:Workman's comp. Not Coleman's .

In DC

[Anonymous]

I believe Workman's comp. Is mandatory in DC.