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| How & when do I apply for COBRA? |
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Q: I have been diagnosed with a serious cancer and cannot work for the forseeable future. My employer has told me that they will have to terminate my employment within the next 30 days. I understand that Cobra may only be effective for 18 months. What steps must I take to extend this coverage to be able to continue my cancer treatment?
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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