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Q: My husband was laid-off (3.13.09). His employer terminated medical coverage that day (yes, mid-month). His employer told us we didn't qualify for COBRA since I could obtain insurance from my employer. Is this true? My coverage is more expensive and isn't as good as his. Can you provide an answer or direct me to who can help get an answer before we sign any COBRA notifications? Thanks.
A: COBRA is the name of a federal law. COBRA contains provisions giving certain former employees, retirees, spouses and dependent children the right to temporarily continue their health coverage at group rates. 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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