Comments on: 60 Day Rule in Electing a COBRA http://www.understandcobra.com/60-day-rule-in-electing-a-cobra.html Wed, 30 Dec 2009 16:22:04 +0000 http://wordpress.org/?v=2.9.1 hourly 1 By: UnderstandCOBRA http://www.understandcobra.com/60-day-rule-in-electing-a-cobra.html/comment-page-1#comment-2236 UnderstandCOBRA Wed, 11 Feb 2009 15:02:51 +0000 http://www.understandcobra.com/?p=5#comment-2236 Your employer should send you a package, if not you should contact them because it's probably a paperwork error. Otherwise, contact the Department of Labor. Your employer should send you a package, if not you should contact them because it’s probably a paperwork error. Otherwise, contact the Department of Labor.

]]> By: Jim http://www.understandcobra.com/60-day-rule-in-electing-a-cobra.html/comment-page-1#comment-2225 Jim Sun, 08 Feb 2009 12:25:09 +0000 http://www.understandcobra.com/?p=5#comment-2225 I left me employer On February 1, 2008 and was never offered Cobra. Is there some kind of penalty for not offering Cobra? What are my options since it has been a year with no cooperation ? I left me employer On February 1, 2008 and was never offered Cobra. Is there some kind of penalty for not offering Cobra? What are my options since it has been a year with no cooperation ?

]]> By: Nancy http://www.understandcobra.com/60-day-rule-in-electing-a-cobra.html/comment-page-1#comment-1900 Nancy Sun, 14 Sep 2008 21:39:14 +0000 http://www.understandcobra.com/?p=5#comment-1900 I was wondering if there are any repercussions for electing COBRA coverage, but when the bill comes never paying it? Let me explain: I left my last job on July 25th, and started a new job on August 4th where my insurance coverage will not start until October 1st. I received a notice from my plan administrator that I had until September 23rd to enroll in COBRA, and another 45 days to make the first payment if I do choose to enroll. If I don't elect coverage before September 25th, I lose all rights to coverage and if something happens to me before October 1st, I have to pay for it myself. However, say I elect COBRA coverage on September 20th, and I make it to October 1st without something happening to me. Say I then get my bill for COBRA coverage: can I simply not pay it (I know that that will cancel COBRA)? What will they do if I simply not pay it? Will it go on my credit report? If I do make the election and then something does happen to me before October 1st then I will surely pay it, but I just want to know what the repercussions would be if I don't pay it. I was wondering if there are any repercussions for electing COBRA coverage, but when the bill comes never paying it? Let me explain: I left my last job on July 25th, and started a new job on August 4th where my insurance coverage will not start until October 1st. I received a notice from my plan administrator that I had until September 23rd to enroll in COBRA, and another 45 days to make the first payment if I do choose to enroll. If I don’t elect coverage before September 25th, I lose all rights to coverage and if something happens to me before October 1st, I have to pay for it myself. However, say I elect COBRA coverage on September 20th, and I make it to October 1st without something happening to me. Say I then get my bill for COBRA coverage: can I simply not pay it (I know that that will cancel COBRA)? What will they do if I simply not pay it? Will it go on my credit report? If I do make the election and then something does happen to me before October 1st then I will surely pay it, but I just want to know what the repercussions would be if I don’t pay it.

]]> By: Scott http://www.understandcobra.com/60-day-rule-in-electing-a-cobra.html/comment-page-1#comment-649 Scott Sat, 25 Aug 2007 02:35:22 +0000 http://www.understandcobra.com/?p=5#comment-649 I sent a COBRA payment for myself and family on August 8th: check was dated the 8th, to cover an April premium, which really wasn't due until the end of May. The COBRA ins notice was sent to me in June (first week) sometime. Again, I sent another premium out to cover the May premium on behalf of my company. The union processed this payment. However, I found out today, they refused to process my April COBRA payment. I was told that my check I sent on the 8th of Aug. was still sitting on the business managers desk. ( 3 weeks) I asked why they didn't process it, because I need my prescriptions filled. They told me, basically they weren't going to honor the payment because it was past the deadline. I received no notice of this of any kind. It wasn't past the deadline at all. In fact, I still have 45 days to send in my payment. Is this legal? I mentioned the guidelines of COBRA payments from the US Department of Labor and all of a sudden they were all concerned about getting something resolved. Am I wrong or right, that's all I want to know? Thanks Scott I sent a COBRA payment for myself and family on August 8th: check was dated the 8th, to cover an April premium, which really wasn’t due until the end of May. The COBRA ins notice was sent to me in June (first week) sometime. Again, I sent another premium out to cover the May premium on behalf of my company. The union processed this payment. However, I found out today, they refused to process my April COBRA payment. I was told that my check I sent on the 8th of Aug. was still sitting on the business managers desk. ( 3 weeks) I asked why they didn’t process it, because I need my prescriptions filled. They told me, basically they weren’t going to honor the payment because it was past the deadline. I received no notice of this of any kind. It wasn’t past the deadline at all. In fact, I still have 45 days to send in my payment. Is this legal? I mentioned the guidelines of COBRA payments from the US Department of Labor and all of a sudden they were all concerned about getting something resolved. Am I wrong or right, that’s all I want to know?
Thanks Scott

]]> By: Kate http://www.understandcobra.com/60-day-rule-in-electing-a-cobra.html/comment-page-1#comment-325 Kate Wed, 09 May 2007 15:06:22 +0000 http://www.understandcobra.com/?p=5#comment-325 Technically in your example above, Michael would be without coverage for 61 days (31 days in May). I am hoping to not have to elect COBRA for July and August of this year, but that is 62 days. Are the "60 days" really two months? What happens if i'm 2 days over, dont elect COBRA, and then move onto my grad school's insurance? Technically in your example above, Michael would be without coverage for 61 days (31 days in May). I am hoping to not have to elect COBRA for July and August of this year, but that is 62 days. Are the “60 days” really two months? What happens if i’m 2 days over, dont elect COBRA, and then move onto my grad school’s insurance?

]]> By: Philip DeVesa http://www.understandcobra.com/60-day-rule-in-electing-a-cobra.html/comment-page-1#comment-83 Philip DeVesa Wed, 14 Feb 2007 13:43:57 +0000 http://www.understandcobra.com/?p=5#comment-83 If I leave my job on Feb. 1st,and I have to get my medications refilled on the 16th of February,am I still covered? If I leave my job on Feb. 1st,and I have to get my medications refilled on the 16th of February,am I still covered?

]]> By: barbara http://www.understandcobra.com/60-day-rule-in-electing-a-cobra.html/comment-page-1#comment-26 barbara Tue, 12 Dec 2006 22:33:25 +0000 http://www.understandcobra.com/?p=5#comment-26 question= how long am l still covered from date of resigntion? can l still order my meds from medco? please hurry your answer! question= how long am l still covered from date of resigntion? can l still order my meds from medco? please hurry your answer!

]]> By: UnderstandCOBRA http://www.understandcobra.com/60-day-rule-in-electing-a-cobra.html/comment-page-1#comment-8 UnderstandCOBRA Fri, 17 Nov 2006 20:19:23 +0000 http://www.understandcobra.com/?p=5#comment-8 That's correct, as long as you elect coverage in that 60 day window you will get coverage retroactively. This doesn't sound like it's really possible does it? It's because you have the 60 days to decide whether or not you want COBRA starting from when the qualifying event happened, whether something happened to you in the interim isn't held against you. If you elect coverage on day 60, you will owe payments for days 1 - 59 no matter what (so you can't say I want COBRA coverage starting Day 60). That’s correct, as long as you elect coverage in that 60 day window you will get coverage retroactively. This doesn’t sound like it’s really possible does it? It’s because you have the 60 days to decide whether or not you want COBRA starting from when the qualifying event happened, whether something happened to you in the interim isn’t held against you.

If you elect coverage on day 60, you will owe payments for days 1 – 59 no matter what (so you can’t say I want COBRA coverage starting Day 60).

]]> By: jeremy http://www.understandcobra.com/60-day-rule-in-electing-a-cobra.html/comment-page-1#comment-7 jeremy Thu, 16 Nov 2006 18:07:16 +0000 http://www.understandcobra.com/?p=5#comment-7 You wrote that COBRA will be applied retroactively. Does this imply that you could elect COBRA *after* a medical emergency (let's say you need an ER visit for a broken leg) and still have it cover the past event? You wrote that COBRA will be applied retroactively. Does this imply that you could elect COBRA *after* a medical emergency (let’s say you need an ER visit for a broken leg) and still have it cover the past event?

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