What is the (Arkansas insurance) law re terming an eligible dependent for late submission of proof of eligibility paperwork?
Son born Dec 08. Provided hosp birth cert to employer Jan 09. Rcvd letter from employer informing of eligibility audit Jul 09 suspense in Sep. Warned that dep could be term'd if doc not provided. Did not have state birth cert--thought hospital birth cert would suffice (wrong). Employer letter dated Oct 1 said that dep term'd Sep 1. Sent employer state birth cert Oct 16. Employer reinstated coverage Oct 16 leaving 2 MD appts not covered Sept 12 and Oct 1. Appts attended because dep was eligible, premium paid, and no guidance in SPD or letter re retro term of eligible dependent. If doc on file not acceptable, had expected notice of upcoming term date & no reinstatement until following calendar year. Employer denied appeal. Wouldn't've attended appts if knew retro term could happen.