Q:I was laid off on 2/28/09 - and was told I would get information directly from you on continuing my benefits. As of today I have not received anything from you. I just had to pay $150 OOP for a prescription - which obviously is money I don't have. I'm wondering why there is such a delay in getting information - and I'm wondering when I can expect information? I don't want to have to pay for any more medical when I should not have to.
A:To sign up for COBRA you have to go through your previous employer.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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