Hey all,
ok so here's what we're dealing with so far: wife went on maternity leave from work to have the baby, Born 1/30. Baby was covered under mom for 31 days. In that time, my wife called her HR department at work 3 separate times because she couldn't register the birth as a "qualifying event" from the home computer. Those 3 calls were never returned. I believe there were emails sent as well, but I'm not sure. We were putting the kid on her insurance (not mine) since hers is better. I let my 31 day window close.
Work cut her maternity leave 2 weeks short of the 12 she was supposed to have, because she was hit by a car and out on FMLA for 2 weeks in October. During this time home, her deduction for health insurance went up, because HR said we were paying for the kids insurance.
cut to now, we're getting rejected claims from the kid's pediatrician because he was never actually insured! HR told us he was, but it turns out they were just increasing her deductible because she was being paid monthly, not weekly. HR is REFUSING to add the kid to her insurance, even though they admitted 100% error on their parts to get it fixed.
now they are giving her the run around. She's already livid, because they are messing with the kid's health. also, she was supposed to be paid a her yearly bonus today, but they screwed that up, too. now nobody knows if she's actually getting one or not, or what it will be.
we can't add the kid to my insurance until August's open enrollment. we're not thinking we'll have a ton of expenses, but really you never know. Only way to add him now is to get divorced and re-married (seems like a real hassle) or she quits her job and both go on my insurance. I'm ok with that, but it will really hurt our savings. we are working on reducing expenses, but have only been half-assing MMM for about 6 months. although yesterday while all this was happening, I got paid and my 403 went up and we hit 10% of our retirement goal!!! not as far as many of you, I know, but a statistical amount that's not zero made me happy. celebrated with a fancy coffee I had given up 6 months ago in the savings race, and hated it. so back to tea!