I was laid off on 12/31/00 and my son had to go into the hospital on
If I send in my COBRA payment to my HR administrator, will my
COBRA be retroactive and effective on 1/1/01 and cover the hospital costs?
The law reads:
Qualified beneficiaries have a 60-day
period to elect whether to continue coverage. This period is measured
from the later of the coverage loss date or the date the notice to elect
COBRA coverage is sent. COBRA coverage is retroactive if elected and
paid for by the qualified beneficiary
This means that from the date of loss coverage, to 60 days after, you may retro your benefits.
Also keep in mind that you have 45 days to pay for cobra after you elect.
You didn't mention the COBRA paperwork, so I do not know if you have submitted it yet.
Also you have to send payment to your health plan administrator, not HR administrator. The two may be the same if it's an employer administered plan, but there is an important difference.
User Support, Cobra Health Insurance
Over 10,000 pages of COBRA info, questions and answers.