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Q: I have been let go (March 09) from a company I had been with for 20 yrs, I recd my COBRA enrollment form and completed it, mailed it in early April 09. Early this month, I get a notice saying my enrollment form was never received and I'm no longer eligible. After a few phone calls and emails, it looks like I'm S.O.L. Any ideas what I can do? I'm ready to fight for this if I need to and certainly hope this email gets read by someone who gives a damn. Thanks for your time
A: We are a provider of Cobra information and Alternative Solutions. We are not affiliated with Cobra. Cobra is NOT a company, but a federal law that allows you to continue on the previous employer’s group health insurance plan. If you need to elect Cobra or are finding out more information regarding your Cobra Benefits, you must contact your employer. They send out a packet for you to continue (or extend) your current health coverage.
There will be NO lapse in your coverage if you elect Cobra with your past employer. Cobra goes back retro-active once you sign up within the time frame listed in the packet. It WILL cover all pre-existing conditions since it is the same health plan you had. If you are pregnant or are seeking treatment for any type of health conditions, you really should consider continuing on Cobra. This will be your only option to have coverage for any pre-existing condition.
You can always try contacting the Department of Labor, they are the ones who oversee the Cobra law, if you feel that your rights have not been met, and they may be able to help you out. You can contact them at 866-444-3272 or visit www.dol.gov
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