What Happens When Your Employer Doesn’t Send A COBRA Election Notice?

Someone told me that if I quit my job and my employer doesn’t give me a notice saying I can receive COBRA then they would have to pay for medical expenses that I have acquired since then. Is this true?

Your employer has up to 45 days from your last day of work or the last day your group benefits end to send you COBRA election notice to elect coverage. During this time you will pay any occurred medical bills until the paperwork gets processed. Then, you will be reimbursed based on the employer’s policy health insurance policy benefits and limits from the insurance company.

Your employer is not responsible for your medical bills. If your employer’s health plan administrator doesn’t provide you the opportunity to elect COBRA coverage, by law, they will be fined and penalized severely by the US Department of Labor.

Workers may waive their right to to choose COBRA benefits. If you are looking for a lower cost alternative to COBRA, that covers yourself and dependent children and qualified beneficiaries, please register and find a health plan that works for you.

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