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What else can I help you with?
Does an employer have to offer COBRA coverage to employees who are eligible for it?
Yes, under the Consolidated Omnibus Budget Reconciliation Act (COBRA), employers with 20 or more employees are required to offer COBRA coverage to eligible employees who experience a qualifying event that would result in a loss of health insurance coverage.
Does my employer have to offer COBRA coverage?
Yes, under federal law, employers with 20 or more employees are generally required to offer COBRA coverage to eligible employees and their dependents when they experience a qualifying event that would result in a loss of health insurance coverage.
What is Cobra Health Insurance?
COBRA health insurance provides former employees of the company with health coverage. More information on Cobra Health Insurance can be found at the cobra government webpage.
What are the eligible benefits for Cobra coverage?
COBRA coverage allows individuals to continue their employer-sponsored health insurance for a limited time after leaving a job. The eligible benefits for COBRA coverage include the same health insurance coverage as when employed, but the individual is responsible for paying the full premium.
Your company has less than 20 employees but other past employees are currently receiving cobra so you want to know if they can choose which employees they will offer cobra?
Cobra must be offered to any employee that leaves a company. The employee is the person paying for this coverage, so refusing would just be mean spirited.
What happens to the wife's insurance on her husbands group policy of 9 employees if her husband leaves the company or dies?
A group policy with only 9 employees is not required to offer COBRA continuation coverage. The insurer may offer her an individual policy, but they are not required to. She will need to find another health plan -- either on her own as an individual or through her employer.
Can an employer cancel your health insurance without offering you a cobra plan in Texas?
Yes, there are several different circumstances where this could happen. If the employer has discontinued the plan entirely, then there is no COBRA coverage to be offered. If the company has fewer than 20 employees, the plan does not have to offer COBRA coverage. If the company is a church, it is not required to offer COBRA. Last, if you were fired from the job for gross misconduct, the employer does not have to offer you COBRA coverage.
Do employers have a legal obligation to offer COBRA coverage to their employees?
Yes, employers with 20 or more employees are legally required to offer COBRA coverage to their employees when they experience a qualifying event that would result in a loss of health insurance coverage.
If I have primary insurance through my work and had secondary through my husband's work but he was laid off can I still use Cobra as a secondary insurance or is Cobra only if you have no insurance?
That would depend on if your spouse's coverage is group or individual coverage. If it is group coverage offered by your spouse's employer then NO. Cobra regulations specifically say that you are not eligible if you have other employer sponsored group coverage with one exception. That is if the other coverage includes any pre-exisitng conditions clause that would deny you coverage for that illness/injury. If you have no pre-existing conditions or the pre-ex caluse does not relate to you (ie. pregnancy is a pre-ex but you are not pregnant) then you are not eligible. If the spouse's coverage is individual coverage and not group you are still eligible for Cobra.
Is your health insurance covered if changing jobs?
I'm not sure what you mean by "covered". However, if the company you are leaving has at least 20 full time employees, you can pay to keep your coverage under COBRA until your new employer's coverage kicks in. However, COBRA rates are quite high as they are the rates your employer pays. Most states have a state continuation right if your company has less than 20 employees. See the Department of Labor website (dol.gov) for more information on state continuation/COBRA and your rights to continue coverage after you leave your job.
How do you maintain health insurance coverage for your wife and son after you turn 65 and are eligible for Medicare?
Where you covered under an Employer Group or Individual Plan? If Employer Group - they would be eligible for COBRA - If Individual - then just tell the Insurance Company to take you off.
What medical insurance options are there for children after the death of a working parent?
If the child and/or the estate has the funds to pay for the coverage the child can apply for individual coverage or take Cobra coverage. Even though the employee has passed any other family members on the plan at the time are eligible for Cobra coverage.
