18 Months in the Majority of cases. There are a few 36 Month periods of C.O.B.R.A. benefits, but they are extremely rare. These exceptions are thoroughly explained, in the papers sent to You by your Employer & The Federal Government when you become eligible for C.O.B.R.A.
Yes because it is 2015 and they are still ding it.
we also just received a 941 refund that turned out to be the COBRA subsidy
Cal-COBRA is a California law for employers as well as people that use up their federal COBRA. When the 18 months of Federal COBRA ends, Cal-COBRA provides 18 more months of the health plan.
While there may be subsidies available from your state, Federal Government subsidies to help qualifying individuals and families afford privately-purchased health insurance won't be broadly available until 2014, according to the new federal health reform laws. Federal subsidies not related to health reform legislation may also be available for qualifying persons who enroll in COBRA health insurance as a result of a lay off. If you are in danger of losing your employer-sponsored health insurance as a result of a lay off occurring between September 1, 2008 and May 31, 2010, talk to you Human Resources department or benefits administrator to find out if you will qualify for COBRA or the subsidy. COBRA is a federal law allowing persons who lose employer-based coverage to continue that coverage at their own expense (without the employer contributing), generally for up to 18 months. The federal COBRA subsidy covers 65% of the monthly COBRA health insurance premium for up to 15 months and is only available to persons who enroll in COBRA as a result of a lay off. Note that the subsidy is not paid directly to you but is provided to the employer or benefits manager to help defray the cost of monthly premiums on your behalf.
I got this information from the internet at http://www.dmhc.ca.gov/dmhc_consumer/hp/hp_cobra.asp/ Can I get Cal-COBRA after I use up my Federal COBRA? You may be able to. If your Federal COBRA lasted 18 months, you can keep your health insurance under Cal-COBRA for 18 more months, for a total of 36 months. If your Federal COBRA lasted 36 months, you cannot get more Cal-COBRA. I just got off the phone with them and they said you have 60 days to apply for Cal-COBRA after you have used up your 18 months of COBRA. Your insurance provider or health plan administrator is supposed to provide you with theenrollment forms, but you can also get them from the Department of Managed Health Care. The phone number is 1-888-466-2219.
I got this information from the internet at http://www.dmhc.ca.gov/dmhc_consumer/hp/hp_cobra.asp/ Can I get Cal-COBRA after I use up my Federal COBRA? You may be able to. If your Federal COBRA lasted 18 months, you can keep your health insurance under Cal-COBRA for 18 more months, for a total of 36 months. If your Federal COBRA lasted 36 months, you cannot get more Cal-COBRA. I just got off the phone with them and they said you have 60 days to apply for Cal-COBRA after you have used up your 18 months of COBRA. Your insurance provider or health plan administrator is supposed to provide you with theenrollment forms, but you can also get them from the Department of Managed Health Care. The phone number is 1-888-466-2219.
how many species of cobra are there
Companies that provide health insurance to their employees often extend that coverage to the dependents of employees as well. So, one way to be covered under an employer-sponsored plan is to be a dependent (child, spouse or domestic partner) of an employee. Through a federal law known as COBRA, former employees may also continue their coverage under an employer-sponsored health insurance plan in certain circumstances. If you are laid off or leave your job (or if you are a dependent of a person who is laid off or leaves his or her job) and you qualify for COBRA, you can opt to continue your coverage under the employer plan for up to 18 months, at your own expense. That means you will have to pay the full monthly premium that had previously been split between the employee and the company. Employees (and dependents of employees) who lost their jobs due to a lay-off that occurred between September 1, 2008 and March 31, 2010, may qualify for a federal subsidy designed to make COBRA coverage more affordable. The government subsidy covers 65% of your monthly COBRA premium for up to 15 months. There has been some discussion in Congress about extending the eligibility period for the COBRA subsidy but as of this date no extension has been signed into law.
Provided your employer's plan was ACA-compliant (and, as of 1 Jan 2014, it's required to be), if you participate in COBRA after being laid off, it is considered a valid option. Note that you do NOT qualify for any subsidy when using COBRA. As such, I would expect that overall COBRA participation (i.e. the number of people opting to obtain coverage under the COBRA provisions) will drop significantly except amongst the well-off, as many people will be able to obtain equivalent insurance through the state Exchanges, and either opt for less-expansive (and less expensive) coverage, or qualify to receive a subsidy. That is, the Exchanges offer virtually all the benefits of the COBRA law. The sole unique benefit of buying via COBRA is that your existing company-supplied plan may not be offered on the exchange, and you'd like to remain on that specific plan. Also, for people who do not qualify for subsidies on the exchanges, it is possible that their costs for insurance on COBRA may be slightly less than the equivalent plan on an Exchange (as the group-level coverage of large employers is still cheaper than that of individual plans from Exchanges).
Eighteen months.
COBRA
18-36 months, per COBRA. this is not the same as employer-covered insurance. Please research COBRA.