nelkem,'FuskieFool' is correct saying ...First, do not let your former employer do anything; they have no business in your checking account anymore. Second, if you have a pre-existing condition, you must take COBRA in order to maintain coverage for that pre-existing condition with a new employer. Former Employer's health plan administrator is required to send you an offer for COBRA coverage within 30 days (I think that is the time range), and then you have a few weeks to accept. They will then send you coupons for the rest of the year and you will have to make monthly payments.I'm on COBRA coverage as we speak ... and have been for about 90 days.As FuskieFool stated, the health plan administrator is [generally] required to send you an offer for COBRA. I had 45 days from receipt of the offer to accept or reject COBRA coverage. After leaving the company (one of those BIG computer consulting and systems integration firms with a three letter name) I had no insurance coverage. When no new job offers promptly arrived, I decided to accept COBRA. The coverage was retroactive to the termination date. So it is insurance coverage available 'after the fact'. About 12 years ago (another corporate downsizing) the former employer was more generous and provided continuous insurance coverage until COBRA coverage started.Government regulations are sometimes different for companies with thousands of employees versus a small firms of only 20. So I can't say what is available for your specific situation.Check here: http://www.dol.gov/ebsa/faqs/faq_consumer_cobra.html Do INSURE you maintain continuous coverage!Good luck with the new opportunity.istraveler
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