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#3
01-20-2008, 05:08 AM
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 Re: per-tax health insurance plan On Jan 19, 9:43 pm, Mark Bole <ma...[at]pacbell.net> wrote: - quote - > Harlan Lunsford wrote:
to be covered. Brings up an interesting debate. > > Paul Thomas wrote: > > > Am I right in my understanding that a pre-tax health plan covers (or > > > can cover) the employee, their spouse, and child (per Sect 152 who is > > > a qualifying child or qualifying relative). That any other person > > > would not be covered **pre-tax** by the plan - ie: included fully in > > > wages for FICA, Medicare, federal, state, FUTA and SUTA. > > > The question came up from a client's employee who wants to cover their > > > non-dependent adult child. I'm unsure at this point if this child > > > would meet the QC or QR rules. They're checking with the employee, > > > I'm "looking into it". > > > Basically, where's the line drawn? > > If it's an employer's plan, I would think any such family members would > > be "outside the pale" and therefore not covered per the plan. My wife > > wondered if Blue Cross would cover her adult non dependent daughter and > > the answer was "no". > Based on my peripheral involvment with the employer-provided group > health plan industry, I second Harlan's comment, it's a moot point. > I'd be surprised if any reputable, commercially-available, > employer-sponsored group health plan would even offer coverage to > someone who did not qualify as a spouse or tax "dependent", more > specifically a QC (not even QR's usually qualify). They periodically > audit insured families to enforce this very restriction. > -Mark Bole > -- > << ------------------------------------------------------- > > << The foregoing was not intended or written to be used, > > << nor can it used, for the purpose of avoiding penalties > > << that may be imposed upon the taxpayer. > > << > > << The Charter and the Guidelines for submitting posts > > << to this newsgroup as well as our anti-spamming policy > > << are atwww.asktax.org. > > << Copyright (2007) - All rights reserved. > > << ------------------------------------------------------- > I agree with the above, however Disney is allowing gay 'life partners'  .................................................. ............... John H. Outlan CPA Orlando, FL USA cell (407) 924-2727 email john[at]outlancpa.com url http://www.outlancpa.com -- << ------------------------------------------------------- > << The foregoing was not intended or written to be used, > << nor can it used, for the purpose of avoiding penalties > << that may be imposed upon the taxpayer. > << > << The Charter and the Guidelines for submitting posts > << to this newsgroup as well as our anti-spamming policy > << are at www.asktax.org. > << Copyright (2007) - All rights reserved. > << ------------------------------------------------------- > |
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#2
01-20-2008, 05:07 AM
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| Re: per-tax health insurance plan Paul Thomas wrote: - quote - > Am I right in my understanding that a pre-tax health plan covers (or can
Dependent is defined using the rules for medical deductions. That> cover) the employee, their spouse, and child (per Sect 152 who is a > qualifying child or qualifying relative). That any other person would not > be covered **pre-tax** by the plan - ie: included fully in wages for FICA, > Medicare, federal, state, FUTA and SUTA. > The question came up from a client's employee who wants to cover their > non-dependent adult child. I'm unsure at this point if this child would > meet the QC or QR rules. They're checking with the employee, I'm "looking > into it". > Basically, where's the line drawn? > Thanks, Employee, spouse and dependent (doesn't have to be a child). means it is the Qualifying Relative rules w/o the gross income test, w/o the married joint return test and w/o the dependent can't have any dependents test. -- << ------------------------------------------------------- > << The foregoing was not intended or written to be used, > << nor can it used, for the purpose of avoiding penalties > << that may be imposed upon the taxpayer. > << > << The Charter and the Guidelines for submitting posts > << to this newsgroup as well as our anti-spamming policy > << are at www.asktax.org. > << Copyright (2007) - All rights reserved. > << ------------------------------------------------------- > |
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#1
01-20-2008, 01:43 AM
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| Re: per-tax health insurance plan Harlan Lunsford wrote: - quote - > Paul Thomas wrote:
Based on my peripheral involvment with the employer-provided group> > Am I right in my understanding that a pre-tax health plan covers (or > > can cover) the employee, their spouse, and child (per Sect 152 who is > > a qualifying child or qualifying relative). That any other person > > would not be covered **pre-tax** by the plan - ie: included fully in > > wages for FICA, Medicare, federal, state, FUTA and SUTA. > > > > The question came up from a client's employee who wants to cover their > > non-dependent adult child. I'm unsure at this point if this child > > would meet the QC or QR rules. They're checking with the employee, > > I'm "looking into it". > > > Basically, where's the line drawn? > If it's an employer's plan, I would think any such family members would > be "outside the pale" and therefore not covered per the plan. My wife > wondered if Blue Cross would cover her adult non dependent daughter and > the answer was "no". health plan industry, I second Harlan's comment, it's a moot point. I'd be surprised if any reputable, commercially-available, employer-sponsored group health plan would even offer coverage to someone who did not qualify as a spouse or tax "dependent", more specifically a QC (not even QR's usually qualify). They periodically audit insured families to enforce this very restriction. -Mark Bole -- << ------------------------------------------------------- > << The foregoing was not intended or written to be used, > << nor can it used, for the purpose of avoiding penalties > << that may be imposed upon the taxpayer. > << > << The Charter and the Guidelines for submitting posts > << to this newsgroup as well as our anti-spamming policy > << are at www.asktax.org. > << Copyright (2007) - All rights reserved. > << ------------------------------------------------------- > |
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01-19-2008, 10:03 PM
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| Re: per-tax health insurance plan Paul Thomas wrote: - quote - > Am I right in my understanding that a pre-tax health plan covers (or can
If it's an employer's plan, I would think any such family members would> cover) the employee, their spouse, and child (per Sect 152 who is a > qualifying child or qualifying relative). That any other person would not > be covered **pre-tax** by the plan - ie: included fully in wages for FICA, > Medicare, federal, state, FUTA and SUTA. > The question came up from a client's employee who wants to cover their > non-dependent adult child. I'm unsure at this point if this child would > meet the QC or QR rules. They're checking with the employee, I'm "looking > into it". > Basically, where's the line drawn? be "outside the pale" and therefore not covered per the plan. My wife wondered if Blue Cross would cover her adult non dependent daughter and the answer was "no". ChEAr$, Harlan -- << ------------------------------------------------------- > << The foregoing was not intended or written to be used, > << nor can it used, for the purpose of avoiding penalties > << that may be imposed upon the taxpayer. > << > << The Charter and the Guidelines for submitting posts > << to this newsgroup as well as our anti-spamming policy > << are at www.asktax.org. > << Copyright (2007) - All rights reserved. > << ------------------------------------------------------- > |
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#-1
01-19-2008, 07:10 PM
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| per-tax health insurance plan Am I right in my understanding that a pre-tax health plan covers (or can cover) the employee, their spouse, and child (per Sect 152 who is a qualifying child or qualifying relative). That any other person would not be covered **pre-tax** by the plan - ie: included fully in wages for FICA, Medicare, federal, state, FUTA and SUTA. The question came up from a client's employee who wants to cover their non-dependent adult child. I'm unsure at this point if this child would meet the QC or QR rules. They're checking with the employee, I'm "looking into it". Basically, where's the line drawn? Thanks, -- Paul A. Thomas, CPA Athens, Georgia -- << ------------------------------------------------------- > << The foregoing was not intended or written to be used, > << nor can it used, for the purpose of avoiding penalties > << that may be imposed upon the taxpayer. > << > << The Charter and the Guidelines for submitting posts > << to this newsgroup as well as our anti-spamming policy > << are at www.asktax.org. > << Copyright (2007) - All rights reserved. > << ------------------------------------------------------- > |
| Tags |
| health, insurance, pertax, plan |
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