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Q: My husband retired in Sept 2001. We continued with his insurance by paying our own premiums. On November 1, 2008 my husband will go on Medicare. He no longer needs the school's insurance -- BUT I DO. Am I eligible to continue the school's insurance until I go on Medicare? That will be May 2009.
A: Once your husband is entitled to Medicare you are no longer allowed to continue on the employer’s group health plan. However, your spouse will still be eligible for COBRA. COBRA is the name of a federal law. COBRA contains provisions giving certain former employees, retirees, spouses and dependent children the right to temporarily continue their health coverage at group rates. Your employer is required by law to offer you the continuation of their group health policy for up to 18 months if there are more than 20 employees. You will need to request a COBRA packet from your employer, sometimes the HR dept or benefits manager. They will send you an election form in the mail (they have 45 days to send it) for you to complete. Once you complete this form and return it with in 60 days, your insurance will be retro-active to your last day of employment. You will not have any lapse or gap in coverage.
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