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Q:  I, along with another 4 women were downsized from our positions on May 1, 2010.  At this time we were given no package containing Cobra information or any details regarding coverage and to date have not received such. I along with the other women cannot afford to have a lapse in coverage due to medical conditions and in calling, the employer informed me it will be done, it just has not yet. It was just said as a matter of fact that if there was a lapse they would go back in time to cover us. We were told on March 7th that our jobs were eliminated, but worked until May 7.  Should they not have been obligated to advise us of our Cobra rights and discounts at the time we left May 1, or at least by now?

A:  With Cobra, as long as the Company has more than 20 employees and a group health plan still in force than Cobra should be an option to you.  From the day you lose your benefits, if Cobra is an option your past employer or your Cobra Administrator has by law 45 days to send you your Cobra packet of information in the mail.  When you receive that packet, you would fill it out, make the payment and send it back in.  Your Cobra does go retro-active, like your past employer said there is no lapse in coverage with Cobra.  You can also find further information if you still have no received the correct information at www.dol.gov/COBRA