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Q: I received a letter stating my COBRA coverage has been canceled because my past employer has not provided them with the necessary 'codes' and plan premium. I have contacted my past employer numerous times however the problem has not been resolved. I have been paying my premiums on time. Please help.
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. If you are having problems with your COBRA plan you should contact the Federal Department of Labor, they are the ones that over see the COBRA law. You can reach them at 866-444-3272 or visit www.dol.gov
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