janedoe123
Junior Member
What is the name of your state (only U.S. law)? TX
My husband was laid off in June 2007. As part of his severance package, we continued to receive health insurance through the company plan through November 2007. (During that time he also received severance pay from the company; they continued deducting insurance premiums from the severance pay at the same rate we paid before the lay-off.)
In December 2007 my husband bought an individual insurance policy. I opted for COBRA. Today I was notified by the Cobra administrator that my coverage will expire at the end of December 2008 "...when you have reached the maximum period allowed..."
I am confused, because I thought Cobra lasted 18 months, not 12. I can only guess that they are calculating 18 months based on the June 2007 termination date. But I wasn't even ELIGIBLE for Cobra until the "regular" insurance was terminated in Nov 2007. So wouldn't that be the date that determines the start of the 18-month period? (Does the termination date on the "proof of coverage" letter have any bearing? I'm pretty sure it says Nov 2007 but can verify, if it's pertinent.)
Before I start making phone calls, I'm hoping someone here can tell me what SHOULD happen in this situation. Thanks.
My husband was laid off in June 2007. As part of his severance package, we continued to receive health insurance through the company plan through November 2007. (During that time he also received severance pay from the company; they continued deducting insurance premiums from the severance pay at the same rate we paid before the lay-off.)
In December 2007 my husband bought an individual insurance policy. I opted for COBRA. Today I was notified by the Cobra administrator that my coverage will expire at the end of December 2008 "...when you have reached the maximum period allowed..."
I am confused, because I thought Cobra lasted 18 months, not 12. I can only guess that they are calculating 18 months based on the June 2007 termination date. But I wasn't even ELIGIBLE for Cobra until the "regular" insurance was terminated in Nov 2007. So wouldn't that be the date that determines the start of the 18-month period? (Does the termination date on the "proof of coverage" letter have any bearing? I'm pretty sure it says Nov 2007 but can verify, if it's pertinent.)
Before I start making phone calls, I'm hoping someone here can tell me what SHOULD happen in this situation. Thanks.