Here is a legal question for anyone with any labor law knowledge:
Can a company legally cancel a health insurance policy for an employee for a date EARLIER than the date that the employee resigned?
Here is the background:
I was working for a US-based small cruise ship company - no union contract - on a 2 month on, one month off rotation. We were considered full-time employees with benefits. I disembarked the vessel 2/21 and resigned 3/12 before returning to the ship. The health insurance provider we used is refusing to pay for a doctor’s visit I had on 3/6 because it occurred “after my policy was terminated.” How is it possible that my policy was terminated before I even resigned my position? I want to know if it is legal for the company to have retroactively cancelled my health insurance for a date previous to the date I resigned. The company says they consider my last day worked as my last day on the boat, and therefore cancelled the policy in February. Interestingly enough, on my paystub for 3/1 - 3/15 I was charged the health insurance premium.
I would appreciate any thoughts, or if anyone knows if this is indeed common practice.