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Q: My husband lost his job on March 27, 2009. Our insurance that we currently have will be up as of April 30, 2009. We want to apply for COBRA insurance right away so that we can meet the new stimulus deadline that occurs next week. (where you pay 35% of what you'd normally pay). I am currently 34 weeks pregnant, so we cannot get on any other insurance plan. Is there anyway that you can help me get signed up for COBRA ASAP to ensure that we will meet the stimulus deadline? Thanks so much!
A: For information on the stimulus package and how it will affect your COBRA coverage, you should contact the Federal Department of Labor, they regulate the COBRA law. The department of labor’s phone number is 866-444-3272 or visit their website at www.dol.gov
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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