Q:Good afternoon, my job ended on July 18th and I was told that I would be sent information about applying for COBRA Insurance through the mail. I have not yet been sent information. I have touched base with my previous employer's HR representative but have not heard back from her yet. I expressed my intent in signing up for COBRA and even acquired information concerning the cost.
A:Your employer is required by law to offer you the continuation of their group health policy for up to 18 months if there are more than 20 employees. You will need to request a COBRA packet from your employer, sometimes the HR dept or benefits manager. They will send you an election form in the mail (they have 45 days to send it) for you to complete. Once you complete this form and return it with in 60 days, your insurance will be retro-active to your last day of employment. You will not have any lapse or gap in coverage.
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