Can I Get a Discount on My Life Insurance Premiums if I'm Part of Certain Religious Organizations or Associations?

Find out if you can get discounts on life insurance premiums through religious organizations. Learn about federal COBRA requirements, Title VII prohibitions, religious adjustments, non-member charitable organizations and more.

Can I Get a Discount on My Life Insurance Premiums if I'm Part of Certain Religious Organizations or Associations?

Federal COBRA regulations only apply to employment-related group health plan coverage. They do not cover individual or association health insurance, nor do they apply to any non-health-related benefits through the employer, such as life insurance. Organizations exempt from tax under subsection (a) are subject to taxation in parts II, III and VI of this subchapter, but (without prejudice to parts II, III and VI of this subchapter) are considered exempt from income tax for the purposes of any law that relates to organizations exempt from income tax. This Bill of Rights does not address your responsibilities. Your insurance responsibilities are found in your policy.

Failure to comply with your obligations may affect your rights. If you file a lawsuit for compensation under your insurance policy, the insurance company has the burden of proving any request for exclusion in the policy, of any exception or other form of evasion of the coverage claimed by the insurer. You have the right to prevent an insurance company, agent, adjuster, or financial institution from disclosing your personal financial information to companies that are not affiliated with the insurance company or financial institution. Additionally, Title VII interacts with the First Amendment and the Religious Freedom Restoration Act (RFRA). These companies offer high-interest loans with fees and obligations that may go beyond those included in payment plans offered directly by insurance companies. When an employee's religious beliefs or practices conflict with a particular task, appropriate accommodations may include removing the employee from the task or transferring them to a different position or location to eliminate the conflict with their religion.

Between 2033 and 34 years (by making the decision not to hire a Muslim applicant due to an alleged conflict between the veil and the company's “Look Policy”), Title VII was violated by not taking action “in order to avoid the need to adapt to a religious practice). And employees conflict: Title VII does not and could not require individual employers to abandon their religion. Notwithstanding section 7428 or any other legal provision, no organization or other person may challenge a suspension under paragraph (), a designation or identification described in paragraph (), the period of suspension described in paragraph (), the period of suspension described in paragraph (), or the denial of a deduction under paragraph () in any administrative or judicial proceeding related to the federal tax liability of such organization or other person. Determining whether it is too difficult to allow employees to express a religious attitude toward customers is a specific question and will depend on the nature of the expression, the nature of the employer's business, and the extent of its impact on customer relationships. An organization meets the requirements of this paragraph only if it does not participate in extraordinary collection actions before it has made every reasonable effort to determine if the person is eligible for assistance under its financial assistance policy described in paragraph (A). The tax exemption under subsection (a) with respect to any organization described in paragraph (), and its eligibility for recognition as an exempt organization under subsection (a), shall be suspended for the period described in paragraph (a), shall be suspended for the period described in paragraph (.

A religious adjustment is an adjustment to the work environment that will allow an employee to comply with their religious beliefs. The term “non-member charitable organization” means any organization that is described in subsection (c) (and is exempt from tax in subsection (a)) and that is not a member of the venture fund and does not benefit (directly or indirectly) from its insurance coverage provided by the fund to its members. In addition to meeting requirements set out in paragraph (a) of subsection (c), an organization with credit counseling services as a substantial purpose and which is described in paragraph (a) of subsection (c) shall not be exempt from taxes under subsection (a), unless it notifies the Secretary, in a manner prescribed by regulations, that it is seeking recognition as a credit counseling organization.

Pattie Fritzler
Pattie Fritzler

Hipster-friendly coffee ninja. Infuriatingly humble zombie advocate. Hipster-friendly tv evangelist. Infuriatingly humble reader. Hipster-friendly twitter evangelist.