My brother has cerebral palsy, and has worked at a location under an ability one contract for 10 years. They have recently changed contracts. The new company, which he is being employed with, is offering $5 per hour in health and welfare wages (formerly known as fringe benefits), but they have to be be paid in benefits ( health/ 401k) instead of cash. His former company paid it directly to him, but the new company says that they were not legally supposed to do that. So he lost Medicare when he lost his SSI because he started working full time, and he has healthcare through the healthcare marketplace for $150/ month. This new company said he has to take their insurance. He cannot keep healthcare marketplace insurance. She told my brother that the entire extra $5/ hour would go to pay for health insurance. He asked if he could decline and get insurance straight through a company. She said he could not get private insurance. It has to be Medicare or theirs because of a law pertaining to ability one contracts. Is anyone familiar with this law. I was under the belief that people could decline work insurance and go through the healthcare marketplace if their work’s insurance was over 9.5% of their income, which his would be 33% of his income. Ideally we would keep healthcare marketplace insurance, and put the $5/hour in his 401k.
My mom usually handles this stuff, but she is dealing with her elderly parents so I’m trying to help. Any insight is appreciated.
submitted by /u/QueenVee90
[link] [comments]My brother has cerebral palsy, and has worked at a location under an ability one contract for 10 years. They have recently changed contracts. The new company, which he is being employed with, is offering $5 per hour in health and welfare wages (formerly known as fringe benefits), but they have to be be paid in benefits ( health/ 401k) instead of cash. His former company paid it directly to him, but the new company says that they were not legally supposed to do that. So he lost Medicare when he lost his SSI because he started working full time, and he has healthcare through the healthcare marketplace for $150/ month. This new company said he has to take their insurance. He cannot keep healthcare marketplace insurance. She told my brother that the entire extra $5/ hour would go to pay for health insurance. He asked if he could decline and get insurance straight through a company. She said he could not get private insurance. It has to be Medicare or theirs because of a law pertaining to ability one contracts. Is anyone familiar with this law. I was under the belief that people could decline work insurance and go through the healthcare marketplace if their work’s insurance was over 9.5% of their income, which his would be 33% of his income. Ideally we would keep healthcare marketplace insurance, and put the $5/hour in his 401k. My mom usually handles this stuff, but she is dealing with her elderly parents so I’m trying to help. Any insight is appreciated. submitted by /u/QueenVee90 [link] [comments]Read Morer/HealthInsurance