Loss of benefits coverage due to death of a covered employee is considered a "qualifying event" listed in the statute. In the case of death of the former employee, the widow's and dependent's coverage may continue for up to 36 months. Employers have a responsibility to notify its plan administrator of the employee's death,
Depending on your circumstances, your family members would have the opportunity to elect COBRA continuation coverage at the full rate plus a 2% admin fee from the group health plan under which you were covered prior to the death of the covered employee. If you can afford the premiums, consider COBRA continuation coverage and any more affordable options which your family may be eligible for.
Types of health insurance coverage:
Private Health Insurance or through a club or association or any other source not listed above.
Enrollment in an employer sponsored group health plan
COBRA coverage through deceased spouse's group health insurance
Medicaid for low-income individuals and special needs individuals.
SCHIP - State Children’s Health Insurance Program for children depending on their family's income in relation to the poverty level.
Medicare - Federal funded health benefits for 65 and over and under 65 who are disabled or with permanent kidney failure.
Craig Casey is an Writer, Coach, Blogger, Husband, and Former Health Insurance Agent helping people on the web since 1999 with their health insurance problems.
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