? about my current coverage

ody ody Q: My husband had insurance through work and passed away in September of 2012. The issue is that from what I read on your website and from what my insurance company says, I should have COBRA for 36 months. The problem is that my insurance broker says it ends on April 1, 2014 and insurance company is telling me to call the insurance broker. I feel like I getting the run around and need help.

A:In the event that an employee passes away, the spouse and dependents that were on his employer’s group health plan with him are eligible for up to 36 months of COBRA coverage.

You should be eligible to stay on COBRA until September 2015. In order to straighten this out, you should contact your COBRA Administrator. Sometimes that is a person in the HR Department at the previous employer, or they have a third party administrator. You can find out by contacting the previous employer and asking who their COBRA Administrator is.

If your previous employer can not answer your questions or does not comply, you can call the Department of Labor at 1-866-487-2365.

COBRA continuation is very expensive. There are alternatives to COBRA continuation available. Click href=”http://cobrainsurance.com/ here for a quote, or call us at 1-877-279-7959 (8am-5pm CST) and we can help you find an alternative plan.

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