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Additional Health Insurance Rights Granted to Illinois Civil Union Spouses
We continue our blog series discussing the new benefits given to civil union couples in Illinois now that the civil union law is in effect, focusing on health insurance coverage in relation to continuation rights, Medicare eligibility, and more.
Are Civil Union Spouses Given Continuation Rights?
In the event of a death, divorce, retirement, or job loss, Illinois law permits individuals that are covered by a civil union spouse’s employer-based health insurance policy to remain covered even after hours are reduced or a the job is lost and results in the coverage’s termination, as well as when an employee retires, divorces the spouse, or dies. Under Illinois law, continuation rights equally apply to married spouses and civil union spouses.
Health Insurance Benefits for Civil Union Spouses in Illinois
This is a continuation of our blog series covering the impact that the new civil union law in Illinois has on the new benefits offering to civil union spouses.
Are Civil Union Spouses Given Health Insurance Coverage?
One of the most important questions the new law answers is whether or not health insurance policies have to provide coverage for civil union spouses. Yes, all HMO contracts and health insurance policies issued in Illinois are required to offer civil union couples the identical coverage given to married couples. Additionally, if a policy allows coverage for a married policyholder’s dependent children, the policy must also allow coverage for a civil union policyholder’s children. Rates for spousal or family coverage must not be different, regardless of whether the family consists of civil union or married spouses.
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