...the premium.? I got a letter from my health insurance carrier saying my coverage was being terminated as my employer did not pay the premium for the last three months. However, They have taken the premium's out of my paycheck every pay period and they show it on the check. The insurance company also says I will be liable for any services they paid for during this period. What can I do.

You have a legal context here, However your going to have to first ask why your company failed to make the payment.. go from there with that information./

First go check with your HR person - some plans are so picky that if they get the payment one day late, they cancel the policy. Most times it gets re-instated when they get the payment, but it's a headache all the way around!

You need to talk with your Human Resources deparment or whoever handles the insurance premiums being paid. Hopefully this is just an error and lack of communication. If the company did not pay the premiums you need to contact the department of labor for your state, as this is a criminal issue on the part of your company, they have stole from you and possibly others.

You need to go to the state department of labor. Your employer owes you the money back. YOu might end up having to sue them.

Yes, the insurance company is NOT required to cover services if the policy is NOT active. Those are two seperate transactions.

Two big recommendations here: 1. Go to an independent agent, and immediately get yourself some health insurance - even if it's just a major medical policy. 2. Start your jobsearch. They aren't paying the insurance company now, pretty soon the paychecks will start bouncing. Not paying benefits premiums is USUALLY an early sign of a company going under. You need to bail as soon as possible.