We are not COBRA. For specific contract details about your current company policy, contact your health plan administrator.
It is my understanding that there are laws in place to protect people such as myself that find themselves without health insurance following a divorce. My husband carried insurance on our family through his employer the Saturn Corp. We divorced in Oct. 2000. I filed an appeal 3 days after the final ruling. My attorney told me that I would still have health insurance during the appeal. And that the company would notify me when it was ending and I would have 90 days to respond whether or not I wanted COBRA. I continued to use my insurance and even had pre-approvals for hospital procedures as late as January of 2001. Somewhere around the 15th of January when I went to the pharmacy to fill a prescription, I found that I had no insurance. I called the Saturn Benefits and found out that my insurance had been cancelled in January and backdated to October 2000. This leaving me uneligable for Cobra. The 90 days were up. So COBRA wouldn't accept me. Saturn claimed they didn't have to notify me, just my X spouse, since he was the employee. It was his responsibility to let me know. I have several health problems and am unable to purchase health insurance because of them. Is there anything I can do? I am unable to work with these health problems at this point in my life. I know in some states the company has to have the person sign forms stating they have been informed that they no longer have insurance and do not want to have Cobra. My daughter is 19 and a full time college student. He did the same thing to her. He sent the paperwork to college on December 24th. He knew she wouldn't be there over Christmas break. He had the papers dated in October. She didn't get them until returning the middle of Janurary. The man is evil. Someone needs to put him in his place. There has to be something or some laws that protect children. Thank you for your help.