Q: I have been divorced since August 2013, and have COBRA coverage through my ex-husband’s employer. I have now been informed that my ex-husband will be laid off as of February 2015 (the company is NOT closing). Will my COBRA coverage continue if he no longer has employment there, or will it terminate as a result of his layoff?
A:Your COBRA will continue, and here’s why:
COBRA is a federal law that requires employers with 20 or more employees to offer the continuation of the same group health care coverage after an individual voluntarily or involuntarily leaves their job, or have had their work hours reduced.
Because the original health plan still exists, you will remain on COBRA as long as you pay your premiums. If you have further questions regarding your particular COBRA coverage, you should contact the COBRA administrator for your continuation. You can usually find out by contact the HR department and finding out if it’s someone in their department, or a third party administrator.
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.