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Q: My last day at my current job is December 19th, and I am getting married December 22nd and moving out-of-state.

I am going to be added to my husband’s insurance plan once we have our marriage certificate, but we were told by the HR personnel at his work that because of the end-of-year transition, coverage would only be retroactive to Jan 1st.

I am concerned about not having some kind retroactive coverage between December 19th to January 1st, should I get into an accident, etc (I will be traveling A LOT).

COBRA is not affected by an end-of-year transition correct?

I don’t anticipate needing to sign up for it, but I want to have my bases covered.

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