Thousands of verified Experts are ready to answer your specific questions 24/7.
Satisfaction is guaranteed and you pay your Expert only if you are satisfied.
Just type your detailed question and click "Get an Answer."
In minutes you'll get a response from an Expert. You can always ask follow-up questions.
Happy with your answer? Just click "Accept" to pay your Expert.
My employer is requiring all personnel with health insurance through the company to submit an updated application for insurance. It requires listing all people covered by the policy to provide all medical information, conditions and medications. This is supposedly to get a better price quote from other insurers. Is it legal to require submission of medical conditions and history to the employer when the employer may be viewing this information and using it for other purposes? The application claims if all conditions are not listed you may be uninsurable in the future for pre-existing conditions not listed.
State/Country relating to Question: Illinois
Thank you for using JustAnswer!Do you have a written employment agreement or contract with your employer?
no
Have you shared your concerns with your employer?
Yes, they said it was just to get a better deal on the insurance
And what did they say about your concerns about confidentiality?
They made no comment
Well, because you do not have a written employment agreement or contract with your employer, that means a couple of big things for you.First, you are an at-will employee. That means that you can quit your job at any time and there's nothing your employer can do about it. That also means that your employer can terminate you at any time (so long as it's not because of your gender, race, age, disability, etc.) and there's nothing you can do about it. Now, that may seem to be unfair and unjust but that is the very nature of at will employment. You serve at the will of your employer.Second, your employer does not have any contractual obligation to provide you will health insurance and you have no way to force your employer to provide you with health insurance. If your employer provides health insurance, that's great. If you choose to not supply the information to help the employer obtain the best rates, that's fine. You don't have to supply the information and your employer does not have to insure you. Again, the reason why your employer does not have to insure you is because you do not have a written contract with your employer requiring them to insure you.Good luck and best wishes. I hope that you find this information to be helpful in better understanding where you stand and why. I also hope that you find this information to be ACCEPTable!
Attorney
Explains legal matters based on 14+ years experience.