Legal Question in Insurance Law in Texas

Re: Insurance

you raise really good questions. at this juncture i would contact your employer, bring this to their attention and ask for an accounting from them on the withholding and payments to the insurance company. then i would have your employer also request an accounting from the insurance company. their have been reported instances of employer benefit consultants simply ripping companys off with fraudulent managing of employee benefit plans. i agree that you should be reimbursed fully since there was never a policy and thus the insurance company never had a risk. i also agree that you should be able to have the same level of premium that you thought you had. but i would want the accounting before i ever allow any more payroll deductions for this benefit. when the accounting is done, you have an understanding what happened, and have received the refund then address the new policy. you can always consider obtaining a policy independent of your employer if necessary. let us know about the accounting. bill featherston