What Is The Difference Between COBRA and FMLA?

I am currently covered under my company’s group health plan, which is not COBRA. I am intending on leaving in about 2 months and will have about a 2-3 month period of no coverage. My company offers COBRA, how soon do I need to sign up for it before leaving and will is cover my pre-existing condition of pregnancy?

COBRA is a federal low that allows you to keep your work health insurance should that insurance stop for any reason (except termination by gross misconduct). As it is a continuation of the same health insurance you had, COBRA will cover your pregnancy as it is a major medical plan.

The Family and Medical Leave Act of 1993 (FMLA) is a United States labor legislation that requires eligible companies to give job-protected, unpaid leave to employees for qualifying medical and family reasons. The FMLA is managed by the United States Department of Labor’s Wage and Hour Division.

The FMLA Act permits qualified employees to take up to 12 weeks of unpaid leave in any 12-month period to care for a new child, a very ill family member, or to recover from a serious illness. The FMLA applies to both public and private-sector employees, however certain types of employees, such as elected officials and highly compensated employees, are exempt or subject to limits. Taking FMLA is not a qualifying event for COBRA continuation.

An employee must have worked for the company for at least 12 months, have worked at least 1,250 hours in the previous 12 months, and work for an employer with at least 50 workers within a 75-mile radius to be eligible for FMLA leave. Several states have approved legislation to provide workers with extra family and medical leave benefits.

Temporary and Affordable Health Plans

We are COBRAinsurance.com — a private health insurance company, established in 2001, that publishes online information on how the federal COBRA law works. We also provide an alternative to COBRA if it is unavailable or you simply can not afford it. You can remain insured and have health coverage for new illnesses or injuries with Short-Term Medical Insurance

Call For Advice: 1-877-262-7241

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