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mcknightapt | How long is an employee covered by the company's group insurance plan after termination? |
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Fun and Games
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Most likely until the end of the month in which the termination took place - but everyone has the right to COBRA. |
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Messett
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COBRA applies to every group insurance plan. "hirebookkeeper" is wrong. Groups of 20 or more fall under federal guidelines. Groups of less than 20 are called mini-COBRA. Anyone coming off of a group plan has the right to COBRA coverage for 18 months. Many states require that conversion policy be made available. These policies are usually expensive. If you can get individual insurance you should as it is cheaper than group insurance. |
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DELETE THIS ACCOUNT
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You will have to ask your former company. It varies Most offer a 30 day policy you have to pay for to cover you until you get more insurance. |
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macvenom@sbcglobal.net
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Your coverage extends only to the limit that was paid for through your employment. However, your employer has a legal responsibilty under the Cobra Act to offer your same medical benefits through the same provider. Cobra insurance may cost more because your employer no longer pays a portion. If you didn't receive a Cobra statement/option when you were terminated, you should call your former employer. |
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hirebookkeeper
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Cobra only applies to companies with more than 20 employees. Each company has their own rules and so do some states. You can usually buy a group continuation policy from the insurance company. It's an individual policy with similiar coverage. |
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Mama Pastafarian
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Probably until the last day of employment, unless other arrangements were made as part of the termination agreement.
The company has to offer COBRA if they are of a certain size. The employee will have to pay the full premium for this insurance, paying both employee and employer portions, so it can be expensive.
If any health care is need between the termination date and when COBRA information is received, it will be covered retroactively once the COBRA premium is paid by the former employee. |
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GAgirl
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I'm not sure about other states but in GA it's 30 days after you are fired or layed off, none if you quit. |
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handydaddy
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What country are you in?
In Massachusetts, USA, the employee covered insurance is terminated upon termination if you don't elect to get COBRA. |
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The Krieg
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Depends on if you received a seperation package or not. If not, you are usually covered only as far as you have paid. Also, I am not sure if your state has a specific law that mine does not regarding the issue. In my experience, if you get let go without a seperation package, you are covered until the end of the month you were let go, as long as you have already paid for that month's benefits. You should be getting a package from COBRA in the mail over the next few weeks and if you sign up for it, albiet at a very high cost, you should be covered retroactively from the day your benefits ran out. Best thing to do is check with the HR department at your former employer to get the details or at least the number to call about COBRA. |
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mbrcatz
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Usually to the end of the month of termination. Then the company usually offers the employee the availability of "Cobra", continuing on the plan for up to 18 months more, but the employee has to pay the monthly premium. THERE IS NO GRACE PERIOD ON PAYING THE PREMIUM. You have to have it in before the beginning of the month you want to be insured for.
(apologies to the grammar policy, for ending that sentence in a preposition) |
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