Originally Posted by
ZapBrannigan
Let's say you do nothing and they sign you up for STD and LTD-A. If you wanted to switch to LTD-B at the next open enrollment will that require an SOH?
Also, what do you think they're going to do about the NEC problem?
An extra 17% is nice but not getting taxed on it and putting it into my 401K would've been better.
I am not SWA, someone in my house is, so don't rely on me for all the details. I would think that going from A to B or back would be seen as a change within the coverage policy without needing a SOH.
And at the eye watering amount we give to the IRS, yes. Not sure if they can do anyting about the non taxable amount. But I guess you will have to pay tax at some point, so at least as you get it over with now, you know how much you have, without having to worry about tax rate changes in the future.