Extending coverage with COBRA

Q: I had health insurance through my empoyer. That coverage expired when my contract ended. I was told by my employer I could extend my coverage with COBRA but am unsure of how to find out more about that process or begin that process. A: 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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