Really? I've been assuming that I've been uninsured since separation...If you are asking about the time frames under which it has to be offered, the employer has up to 44 days from the end of coverage (which is not necessarily the last day of employment) to provide you with your COBRA information.
I just called the insurer. They said I still show as covered, with no termination date pending.It depends on what the plan document says. The two most common policies are either the last day of employment, or the last day of the month in which employment ended.
At the last place where I administrated COBRA, we used the last day of the month in which employment ended. If the last day you worked was the 1st of the month, you were covered for the entire month. If the last day you worked was the 31st of the month, that was the last day of coverage as well.
However, probably just as many places also use the last day of employment. So you'll have to see what your plan document says.
Yep. Be careful, CJane. Just because THEIR system doesn't show it as terminated yet, doesn't mean that it isn't. For example, if it was the last day of work, they might not show the termination for 30 days, and it would be retroactive to that last day of work.What was your last day of work?
Maybe it doesn't matter, but I'm fairly certain these go forward... we just changed plans on July 1, so my withholding changed a bit. The withholding on both July checks was the new amount.Hopefully that's what it means, but it's not a guarantee. Deductions do not always go forward; sometimes they go backwards. i.e. The deduction taken on October first pays for the coverage between September 15 and September 30.
I understand that. However, this was a small company and the HR person was in the meeting at which I was termed. So, she was definitely aware of the termination, and it's been 3 weeks...The first thing an employer does is NOT cancel the insurance. I generally did that about once every two weeks or so, taking care of any cancellations that had come to my attention since the last time. For that matter, I wasn't always even notified of a termination until two or three or even four weeks after the termination had taken place. (If it was that long after the fact I tried to take care of it immediately.)
Guess I'll sit tight and see what happens.But even if it eventually proves that cancellation IS July 6, since COBRA is ALWAYS retroactive to the cancellation date you'll have coverage that way.
I wasn't seeking benefit from any penalties they may/may not incur. I was just curious, if I run into issues, if there's a 'reporting agency' that could help me out.If you're not offered it, then you need to ask for it. The penalties for the employer do NOT benefit you. You still need to make arrangements to start making those payments. Therefore, at day 30 start calling the employer.
You can call the HR person and ask when your insurance will be termed.