I am interested in information regarding an employer's obligation to provide Health Care Insurance after retirement. Specifically I am interested in the obligation to provide insurance supplemental to Medicare after retirement. I am an American citizen
living in Canada in a border city to Detroit Michigan. I worked at Blue Cross Blue Shield of Michigan for nearly 40 years when I had to go on long term disability
in 2007. In all my employment there until present I have had BCBSM coverage paid by my employer.
Last year (my 65th birthday) the company advised me I had to apply for my pension and that my disability payments would be reduced by whatever my monthly pension benefits equalled. This year I have received a letter from the long term disability provider (Blue
Cross Blue Shield Association) that since my disability payments from them are 0 they are no longer going to monitor and assess my disability status. I contacted Blue Cross Blue Shield of Michigan regarding the impact of this letter on my Health Insurance.
I use health care providers in Michigan for my intractable migraines (reason for disability) and have recently been diagnosed as needing a knee replacement and an auto immune disease so I have several appointments pending. Based on my email the employee benefits
person contacted me today. She stated that another person in the company has to make a formal reply but that they cannot offer me a Medicare Advantage plan (the only option she says offerred to a retiree which would be my status after disability ends) because
my home address is in another country. I explained to her that I have Medicare with this address and that I know I cannot use it in this country but any complementary insurance to Medicare should be handled the same in my way of thinking. What I would like
to know is whether this limitation is a federal government ruling in their instructions to the individual insurance companies offering Medicare Advantage or is it just a decision of the insurance company or worse, a limit in the computer system they bought
or created for Medicare Advantage. After giving 40 years of my life to this company I don't want to just back off without some sort of more solid information. My address at the company was in Canada since 1973, and I have always had insurance with them and
used mostly American providers of service. I am Social Security eligible and have active Medicare A and B. I still pay lots of American (and Canadian) income tax, and this is very important to me. I summary, I have used your services befor and was greatly
satisfied, I was wondering if there was an expert lawyer of elder law person who could help me with some information on if or how I should move forward. Thanks you for your help and understanding. Linda Hudson