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COBRA insurance questions I have gotten though EmailI like your website very much. I am a Personnel Director in New York and I take care of COBRA covered terminated employees for them. However, my father has just been involuntarily terminated and as of today the plan administrator at the company has said that his medical coverage will be terminated. And that the burden of contacting a COBRA carrier lies with him and that he must coordinate his own enrollment. Is that legal? And more importantly, what happens to the coverage while he is waiting to have COBRA coverage become active? Sincerely, P. Seth P: If they had over 20 employees, no it's not legal and yes, they probably will get away with it. There is technically no such thing as a "cobra carrier." If the company offers group health insurance, which his employer does, they have a COBRA plan available, since they are one in the same. Of course, your father may not qualify, but that's a different story. The burden lies with the health plan administrator and employer, all you father is supposed to do is fill out the paperwork and pay the full cost of the premiums +2%. Why these employers play games and use double talk is beyond me, because the employee pays the full cost + some administrative fees. If he is healthy, go here for a quote on private health insurance. For comments about this site, Email us. Message Board - Home - Links - Sitemap - Privacy Policy - Terms of use - Copyrights and Legal |