Dependent Eligibility Verification: Real Findings Equate to Real Savings
Audit Findings
With over 1,300 dependent eligibility verification audits conducted for employers since 2003, it’s not uncommon to uncover findings like these:
An employee added their girlfriend to the plan while their legal spouse was incarcerated.
An employee insured a spouse but was never married.
Multiple employees enrolled ex-spouses from unreported divorces covering a 16-year time span.
An employee enrolled a domestic partner that was actually married to another individual.
An employee enrolled a stepchild and then reported the dependent as a foster child but was unable to prove the relationship.
An employee insured a spouse and two stepchildren but was not married resulting in removal of 3 enrolled dependents.
An employee insured his dependent child’s girlfriend for 2 years while she was living in the household.
Audit Outcomes
All clients decide to terminate coverage immediately for any dependents who were identified by our processes to be ineligible. Additionally, a majority of clients also remove dependent coverage for any employee who did not respond completely prior to the verification deadline.
Based on annual enrolled per dependent costs of $4,000, most clients achieve a first-year return on investment that quickly exceeds 2,000%.