Comments on: 60 Day Rule in Electing a COBRA http://www.understandcobra.com/60-day-rule-in-electing-a-cobra.html Mon, 07 Jul 2008 10:10:32 +0000 http://wordpress.org/?v=2.5.1 By: Scott http://www.understandcobra.com/60-day-rule-in-electing-a-cobra.html#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-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-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-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-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-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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