Diabetes at Work: Your Rights and Benefits
By Isabel Chin, Lynn Kennedy, and Jeemin Kwon
Breaking down employer-based health insurance, employee health benefits, and employee rights for people with diabetes
The most common type of health insurance coverage in the US is employer-based insurance, covering almost 50% of all Americans in 2015. Despite its prominence, employer-based health insurance can be challenging to navigate, and living with diabetes makes the process of understanding and accessing employee health benefits like insurance all the more critical. This guide breaks down employer-based insurance, employee health benefits, and the rights of people with diabetes in the workplace.
We hope this guide helps you better understand employer-based insurance, maximize your health through work benefits, and know and protect your workplace rights as a person with diabetes.
In this article, you can read about (click a particular section to jump right to it!):
What to do to maintain employer-based health insurance after a major life event like losing a job
Employer-Based Health Insurance: The Basics
Currently, all US employers with over 50 full-time employees are required to provide health insurance that meets certain standards of affordability otherwise they face a fine. While small businesses are not required to offer health insurance to their employees, many companies will so they can take advantage of tax credits.
It is important to understand what coverage and health benefits your employer offers in order to choose the right insurance plan for you. Job-based health plans are required to provide a “Summary of Be Continue reading