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General COBRA Questions 
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There were 277 questions found in this category:
 If I was a federal employee, do I have the same rights under the COBRA law?
Q: If I was a federal employee, do I have the same rights under the COBRA law? A: No. Federal employees will fall under a similar law. You should contact your employment representative or you may call 1-800-321-1080. If you are a healthy person who does not live in NY, NJ, MA, or VT and wou ...
- If my husband is on Medicare can he elect COBRA? What are my options as his spouse?
Q: My husband was employed and was covered under a group plan as well as Medicare. He is no longer employed and has elected cobra. However, his cobra plan has informed us that because he is covered under Medicare, he is not entitled under federal law to receive cobra benefits. Is this true? And ...
- If my husband retires and is eligible for Medicare am I still allowed to get medical coverage?
Q: If my husband retires and is eligible for Medicare am I still allowed to get medical coverage? A: Being entitled for Medicare is a qualifying event. If your husband elects Medicare and comes off of the employers insurance, you as a dependant will be eligible for COBRA for up to 36 months. Pl ...
- If my wife and I are getting a divorce, am I eligible to continue on her group health plan and for how long?
Q: If my wife and I are getting a divorce, am I eligible to continue on her group health plan and for how long? A: Yes. Divorce is a qualifying event. You, as a dependant, are able to select COBRA for up to 36 months. If you are a healthy person who does not live in NY, NJ, MA, or VT and would ...
- If my wife has continuing insurance with COBRA and her employers group health plan, which plan is primarily responsible for her medical claims?
Q: If my wife has continuing insurance with COBRA and her employer's group health plan, which plan is primarily responsible for her medical claims?A: Generally, the COBRA coverage is not limited to only those pre-existing conditions. If your state is involved with a COB rule, then the group hea ...
- If there is only one month lapse do we need to elect COBRA?
Q: My husband's insurance at his new employer starts on June 1. His old co. insurance coverage terminated Apr. 30. We have a one-month gap. Are we still covered for the month of May, or would we need to pay for one month of COBRA? If so, can we elect to hold off, and then pay the COBRA rate shou ...
- Insurance dropped during surgery...can i get cobra?
Q: I was on compensation, due to an injury at work. Then a lot of us were laid off 2 weeks later. I was released March 30th. They said to hang loose about my insurance, because no one knew if I had to go on cobra yet. (I am covered for my injury) but meanwhile, my husband had a total knee repla ...
- international and across-state coverage
Q: Does COBRA insurance apply for overseas travel? A: COBRA is a federal law and applies regardless of residency. But, you have to check with the insurance carrier to see if that policy is able to be extended to different state. We do offer international travel insurance. For more informaion vi ...
- Is a FSA eligible for continuation under COBRA?
Q: Is a FSA eligible for continuation under COBRA? A: A 125 Cafeteria plan allows employee's put a portion of their earnings, pre-taxed, into a Flexible Spending Account (FSA), which they can use to pay for medical bills or expenses. Some types of FSA's are: dependant care or for day care expens ...
- Is COBRA Insurance taxable?
Q: If an employer pays my cobra payments as part of my severance package, is that taxable income to me?A: The IRS will have the answer's to those questions for you. You can visit their site at www.irs.gov. Publication 502 has information about medical and dental expenses, including the health co ...
- Is it possible to add a new spouse or dependant to my COBRA coverage?
Q: Is it possible to add a new spouse or dependant to my COBRA coverage?A: Yes. A qualified beneficiary has the same rights to add newly-acquired dependents on the group health plan as a similarly situated employee. If you get married, you may add COBRA coverage for the new spouse, if active emp ...
- Is it true that I don't pay on Cobra unless I have a situation that I need medical attention?
Q: Is it true that I don't pay on Cobra unless I have a situation that I need medical attention? I have changed jobs and will be w/o insurance for one month. I am unclear about when I sign up and pay. I have heard that Cobra is retroactive if/when I need health insurance. Is that true? Thanks.A: ...
- Is there a pre-existing condition clause with COBRA?
Q: Is there a pre existing clause with COBRA? A: There is no pre-existing condition clause for COBRA continuation. If you elect COBRA you are actually continuing the same group health insurance that you had with your past employer. So, if your medical conditions were covered under that plan they ...
- Is there an age requirement for COBRA?
Q: I was told by my company that you must be 55 years of age or older to be qualify for COBRA coverage. Is this a true statement?A: The age of the employee is not a factor to qualify for COBRA. As long as the employer has more than 20 employees and the employee is on the group health policy befo ...
- Is there any minimum time period I have to be in that position in order to qualify?
Q: I am 60 years old, and my Cobra coverage from my last job will be ending June 25th. I am working on getting a part-time job with a school district, and I understand they provide full coverage for part-time employees. If, for any reason, I have to leave that position, will I again qualify fo ...
- Is there coverage between my last day and the day I receive the COBRA papers?
Q: What happens from the day you leave your job until the COBRA info arrives? Would I be covered? Do you lose your coverage the day you leave?A: As soon as you sign up for COBRA (before your deadline) and make your premium payment, you will be coveraged retro actively back to your last day. Thi ...
- lapse in coverage for 1 week
Q: I lost my job 3/30. I have coverage until 6/16. I will not start my new job until 5/21. My new insurace won't start until 30 days after I start. I will have a lapse in coverage for 1 week. Do I need to get COBRA for that time? A: Well, since the employer has up to 45 days to get COBRA inform ...
- Length of time to qualify
Q: I left a company in March of 2005 and my COBRA benefits ended Sept, 2006. I am thinking of rejoining the same company for the health insurance benefits. But if I decided to leave again, how long would I have to stay at the job in order to qualify for COBRA again? Thanks.A: As long as you have ...
- Life after COBRA with a preexisting condition.
Q: I have been on Cobra since Jan 2006. In Feb 2006 my wife had an accident that will require further surgery after the 18 month Cobra period has ended. It seems that my only alternative is an individual plan with a rider on my wife's pre-existing condition. This means that I will end up paying ...
- living abroad
Q: I am an American citizen and am living with my children and husband in Germany where he (green card holder) is presently working for a US company and has me and my children insured with the company. However, a change is expected where my husband will stop employment for the U.S. Company and ...
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