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COBRA insurance questions I have gotten though Email

I was laid off on 12/31/00 and my son had to go into the hospital on 1/20/01. If I send in my COBRA payment to my HR administrator, will they retro my COBRA to be effective 1/1/01 and cover the hospital costs?

Fein

Fein:

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 are important difference.



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