Do insurance companies verify marriage?

Answer: Yes — employers generally may require proof of marriage before adding a spouse to the company health-insurance plan. Both employers and insurance companies are generally permitted to implement proof-of-marriage policies provided they act in conformity with federal and state law.

What is legal proof of marriage?

The best proof of a ceremonial marriage is the original marriage certificate. If you can not locate your original certificate, the following proofs are acceptable. A copy of a religious record of the marriage certified by the custodian of the record.

Can an employer ask for proof of marriage after the wedding?

Things have evolved such over the years, that the employers are now being audited by the insurance companies and they must have all documents for them. There is nothing against the law in making the request. If you need a copy of the Certificate, you can get it from the Clerk of the Court where it was filed.

Why do insurance companies ask for marriage certificate?

This high-value benefit prompts some employees to try to insure ineligible dependents such as ex-spouses, extended family or unmarried partners. According to the New York Times, the era of the honor system is over. Employers are increasingly asking for proof that their employees are in fact legally married and eligible for dependent coverage.

Do you have to sign marriage certificate at open enrollment?

According to the New York Times, the era of the honor system is over. Employers are increasingly asking for proof that their employees are in fact legally married and eligible for dependent coverage. Some employers use the honor system at open enrollment. You sign a form stating that the dependents you add to your form are eligible for coverage.

What do I need to add to my marriage certificate?

Adding Dependents. Since they are not documented on the marriage certificate, you will have to provide additional paperwork to insurance companies for these dependents. Birth certificates, document proving legal guardianship and/or adoption papers are the standard requirements.

When do employers ask for proof of marriage?

Employers are increasingly asking for proof that their employees are in fact legally married and eligible for dependent coverage. Some employers use the honor system at open enrollment. You sign a form stating that the dependents you add to your form are eligible for coverage.

When do insurance companies ask for marriage certificate?

You provide each dependent’s name and personal identifiers to prove relationship. When you sign up at open enrollment, you may have to provide a marriage certificate if requested. More likely, your health insurance sends out a dependent audit form. Insurance companies use dependent audits to weed out unauthorized dependents.

What can I do with a marriage certificate?

You will also use the official marriage certificate to obtain a new state identification card or driver’s license and a Social Security card. The sooner you request these new forms of identification, the sooner you can update your insurance policies.