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The difference between COBRA and FMLA
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Q:  I am currently covered under my companies group healthplan, which is not COBRA. I am intenting on leaving in about 2 months and will have about a 2-3 month period of no coverage. My company offers COBRA, how soon do I need to sign up for it before leaving, and will is cover my pre-existing condition of pregnancy?

A: If you are on maternity leave or on the Family and Medical Leave Act your employer is required to maintain the group health benefits for you as if you didn't take time off away from your job. This would not be COBRA coverage.

 

If you are leaving your job permanently then you can apply for COBRA continuation and keep the policy for up to 18 months.  Since it is a continuation of the group policy it would be the same coverages. So if there is coverage for your pre-existing condition and pregnancy when you were working, it would be covered through COBRA continuation.


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