What can an insurer require as proof of marriage in order to insure spouse?
I have proof of my marriage to continue on my husband's health insurance but now the company is demanding I show them a loan obligation with him. Can they do this? I tried sending them a current bill with both our names and address and they say it is not good enough; we both have separate accounts and separate bills. I have been married for over 20 years and the company has had know problem covering me for the past 10. Now my marriage license is not good enough?
The marriage license shows that you *were* married at one point; it does not necessarily prove that you are still married, since even divorced couples will still have their original marriage license(they are not surrendered or destroyed). The insurer may reasonably and legally demand proof to show that you are married at this time before they extend health insurance or coverage to you, and it seems as if the evidence you are providing is not adequate, since the accounts and bills are separate (i.e., they do not actually show marriage in any way). Either show them the loan documentation or if you don't have any, ask what other forms of proof they would consider adequate.
This makes no sense as far as why the insurance company is not honoring your marriage license. I suggest that you obtain a certified copy of the marriage license and bring it to a lawyer to get involved. There may be something that you are missing or not understanding as to what they are looking for. If the insurance company is truly only looking for a loan obligation, then they may be doing something improper as some people do not own homes and so forth as to make this requirement. I suggest hiring a lawyer to help you get to the bottom of why the insurance company is not honoring this marriage certificate. Maybe you can show them your joint tax return.