Do employees have to decline coverage if they do not want to participate in health insurance? Or 401k?
Yes. Because benefits must be offered to all employees in the same class or structure, an employer should keep written records that benefits were, in fact, offered. The best way to show this is by documenting the employee either accepted or declined the benefit. Your benefits applications should provide a checkbox for the declination and the employee should sign and date the document. If no checkbox is provided on the application, ask your benefits representative to provide one for you.


