Is surviving spouse and child entitled to health insurance benefits if employee dies before retiring?

Not necessarily 鈥?especially if he wasn鈥檛 retired yet. It鈥檚 going to depend on the company鈥檚 own policies and on the regulations and laws in your state. Check with the company鈥檚 HR department and your state department of insurance to learn more.





Assuming the survivors not eligible for coverage under the retiree health benefits program, they should be eligible for COBRA. COBRA can be expensive, but it鈥檚 an especially good option for people with pre-existing medical conditions who might be declined coverage elsewhere. If COBRA is too expensive and they want to explore other options, they should work with a licensed health insurance agent online or in their local area.|||It depends on the rules of the retiree program, you'll have to read them.





If the employee was eligible for retirement benefits, but was still working, then I would say yes. If the employee was not eligible for retirement benefits, then I would probably say no.|||The retiree health benefits probably would have applied to the person himself, not his dependents.





You should call his company or his health insurance plan and ask them.