COBRA & Divorce

ody ody ody Q: I plan on going to Cobra once my divorce goes thru in a week. My ex spouse is leaving her current job in three weeks. Will COBRA switch to the new job?

A: COBRA is simply the continuation of the exact same coverage you had through a previous employer (or in this case, your ex-spouse’s employer). This law’s purpose is to give those who lose the group coverage the option to continue on it.

Because COBRA is a continuation of the coverage you lost, you stay on the COBRA available to you through your ex-spouse’s current employer. You wouldn’t be able to “switch” because you will never have been on her new employer’s plan. The purpose of COBRA is to continue on a plan you were on. If you aren’t on her new employer’s plan, you don’t qualify for COBRA on the plan.

In your situation, you are completely eligible for COBRA through your ex-spouse’s current employer. However; you or your ex-spouse must notify current HR or the COBRA administrator about the divorce, so they know to send the COBRA paperwork(notify ASAP because after 60 days after the divorce, you are ineligible for COBRA). They legally have 45 days after the loss of coverage, or divorce, to get you that paperwork.

Keep in mind also that COBRA will be very expensive . You will pay the full premium, meaning the amount you used to contribute, plus the employer contribution, plus up to a 2% admin fee.

COBRAInsurance.com offers alternative plans to COBRA, at an affordable price. 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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