Got layed off 3 1/2 months ago. Former company still paying for my health insurance?
They have not mentioned anything to me about stoppng it or offering cobra. Probably a mistake in the HR dept that nobody noticed. My family and myself have been seeing drs. and we have been covered. Is the company responsible to tell me they are stopping coverage and giving me a certain time to get my own in NJ or could I be responsible for the pass insurance bills that they are paying for when they finally catch their mistake? Don't know what to do. Probably couldn't afford insurance on my own if I have to pay for it. HELP!!!!!!!!!!!!!!!!!!!!!!
Anonymous2010-10-19T11:40:56Z
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IF they are a COBRA eligible employer, they have to offer you COBRA coverage within 45 days of the termination of your employment. You then have 60 days to elect to take it, or decline.
If they are not COBRA eligible, they do NOT have to notify you.
It can take the insurance company 10 weeks, to receive and process the notice from your employer, that you are no longer working there. If you do not take COBRA, or are not eligible, they then retroactively cancel the coverage back to either the last day you worked, or the last day of the month in which you last worked (depending on how it was originally set up) and you become fully responsible for all payments that were made on your behalf, in error, and for all charges from the medical providers.
I seriously, seriously doubt your employer is still paying for your health insurance. It would violate several laws. I think the paperwork just hasn't caught up yet, and you're going to be nailed with some serious medical bills in a few months, when it does catch up.
they might wind up sending you a bill - you definitely should not have used the insurance after the last day of the month you were laid off
yes - the company benefits person messed up by not catching it - you better contact them asap, so they can at least offer you cobra before it's too late (it may be already)
Your insurance ended after you quit but the insurance company has not gotten their paperwork processed. When they do, they will bill you for all services not covered by them. You'd better get yourself another individual policy. The company is not responsible for telling you about insurance. You know it is no good after you terminate employment. It is your mistake for using the insurance when you know you are not covered.
relies upon on the agency. maximum first rate companies will furnish a separation kit. could incorporate plenty $ for each 12 months you have been there, severance. that's a lump sum plus what ever trip u racked up. some will cover you scientific coverage for slightly time after seperation. yet there have been some that only close the doors and supply u your final verify with not even a kiss. be proactive. pass to ur state unemployement workplace and report for unemployement repayment and tell them ur situation. if the agency does only slam the doors, you have some legal rights. stable luck!!