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Recent COBRA questions

My sister is a nurse practitioner in new York state. She

Hi, my sister is a nurse practitioner in new York state. She resigned from her current position effective March 9, and will be starting a new position March 13th. A week ago she found out she has breast cancer and will need some aggressive treatment. She is at a loss as to what to do. Should she rescind her resignation to keep disability ?JA: Because laws vary from place to place, can you tell me what state this is in?Customer: New York StateJA: Is the employment agreement "at will," union, full time or part time?Customer: at will, full timeJA: Anything else you want the lawyer to know before I connect you?Customer: My sister also has lupus and fibromyalgia and is looking at going on disability; however, doesn't know how that will work as she is ending one job and going to another.

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RobertJDFL

Attorney

Juris Doctorate

13,832 satisfied customers
I have been hired for a job starting in March. However, I

I have been hired for a job starting in March. However, I did not disclose I have MS, because I am not disabled and am able and willing to do the work. I want to sign up for short term and long term(Both benefits) disability insurance that is offered thru my new employer. I hope I never have to use these policies, but if I do, will their be any repercussions legally for me as a result of not stating I have MS without disability? The application asked if I was disabled, and I answered no. After the question, there were examples of diseases given, including MS.I was laid off after 11 years with the same company June 20, 2016. I currently have Cobra. The health insurance with the new company starts on day 1, which is good. However, if I take it and drop cobra and things do not work out for me there, what options would I then have for insurance? Could I go back to Cobra? I thought taking the new insurance amonth later and keeping cobra to make sure things work out with new company to be sure.

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John

Attorney

Doctoral Degree

8,610 satisfied customers
My employer, Spectrum, formally Time warner cable told us

my employer, Spectrum, formally Time warner cable told us yesterday that anyone out over 2 weeks on FMLA will now have to get cobra insurance. I am 7 months pregnant and will have to pay $1900 per month while I am out on leave after having my baby. Can they do this?JA: Because employment law varies from place to place, can you tell me what state this is in?Customer: TexasJA: Is the employment agreement "at will," union, full time or part time?Customer: I'm full time, have worked there for 3.5 years. no unions and I don't know what "At will" MeansJA: Anything else you want the lawyer to know before I connect you?Customer: no

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Infolawyer

Attorney

Juris Doctor.

40,148 satisfied customers
I recently separated from my employer in December and am on

I recently separated from my employer in December and am on Cobra. I paid in January for December and January and then again on February 1 for this month. I am still without a new ID# ***** have spent hours on the phone with no resolution. I am now over a month behind on critical medications for Crohn's disease.JA: Because employment law varies from place to place, can you tell me what state this is in?Customer: TexasJA: Is the employment agreement "at will," union, full time or part time?Customer: Full timeJA: Anything else you want the lawyer to know before I connect you?Customer: After a month of phone calls I'm being told the delay is on my part because I didn't pay until 2/2. That doesn't explain the entire month of January.

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

114,106 satisfied customers
I was terminated from employment Aug 2016 I kept my

I was terminated from employment Aug 2016 I kept my insurance thru Cobra due to having a major surgery scheduled in Oct. After comparing insurance plans and the current plan I had through my Cobra benefits site, it was still most cost effective to pay for Cobra. Due to my health issues as well as having learned how extremely important it is to monitor the plan and claims. I received EOB stating physical therapy requires a medical letter after 24 visits. Which was not part of my plan. I also learned other things have changed. my summary description plan that is available through my cobra online account is not the same as what is showing on my insurance online account? I have not received any notifications or even a summary plan discretion. because I am no longer an employee I can no longer access my benefits information via the company website. Who do I call to address this concern. I was given the impression by a cobra representative my plan was staying the same, which is also another reason I have chosen the plan. please advise

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Phillips Esq.

Attorney

Juris Doctor

20,662 satisfied customers
I have enclosed past communications with the company

Hello,I have enclosed past communications with the company summarizing the severance that is in discussion. My family medical coverage will expire at the end of this month although it is my understanding their is a 30 day grace period to make a payment if necessary. After reading the enclosed I am asking for your feedback as to how you handle the enclosed. I have returned all company property, phone computer etc. My last conversation was with HR this past Friday. I was told that I will be paid for unused vacation and last paycheck for this month. The initial severance offered was for one month. I have been told that they are working on the details but do not have any confirmation or counter offer from my past employer. The e-mail was sent to HR and CC to the person I used to report to Your thoughts? I removed the names in case their is a web search etc. Please scroll all the way down.Follow Up Severance Agreement Cobra Medical Coverage7:12 PM (14 hours ago)to l, jHi L,I appreciated your time on the phone last Friday, January 20 to discuss the requested severance package below. I understand you are working on gathering the end of month check with the PTO in addition to the language that was sent by e-mail on January 24 for when potential employers call W.I am seeking confirmation about the severance package so that medical coverage does not lapse and understand Cobra is available.Please let me know your availability for tomorrow so that we can discuss how to move forward and wrap up the enclosed.Thank you.Andrew Mandel(###) ###-####---------- Forwarded message ----------From: AMDate: Fri, Jan 20, 2017 at 3:25 PMSubject: Follow Up re AgreementTo: ***** ***** AHi L,As a follow up to the elimination of my position and discussion with JM I am seeking the following:.* Severance letter outlining the elimination of my position* Three months of medical coverage* Three months of salary* Payment for unused vacation/PTOPlease confirm the enclosed so that I can execute the agreement thereafter.Also,, all paper correspondence if mailed should be sent to the following address:AM*****Suite 320New York, NY 10128Thank you.

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RobertJDFL

Attorney

Juris Doctorate

13,832 satisfied customers
I am a breast cabcer patient, in remission for three years.

Hi. I am a breast cabcer patient, in remission for three years. I have coverage under COBRA until October of this year. I thought I would have found a job by now, with health benefits, but that has not been the case. Now I am worried that the republicans will repeal the ACA and by the time my COBRA coverage ends I will no longer be protected for coverage with a pre existing condition. What are my options? Should I leave COBRA and move to a qualified plan now or is it true that the health insurance company has to let me move to a similar plan when COBRA ens? My current plan covers medications and includes my husband. The options available in the marketplace (Puerto Rico) include $700 a year in medications and are $300 more expensive.

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John

Attorney

Doctoral Degree

8,610 satisfied customers
From Randall re: Severance offer. I was a fairly high paid

From Randall re: Severance offer. I was a fairly high paid manager and was fired after 12 years of service and offered 3 months severance pay. I feel that is low but do I have any recourse if I don't accept the offer? Thank you. Assistant: Thanks. Can you give me any more details about your issue? Customer: I am an at will employee, over 60 years old and received a low performance rating last year. The company cites poor performance for their reason. The separation offer does include a year of company paid COBRA which is worth about 1 month's pay as well.

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ScottyMacEsq

Doctoral Degree

24,022 satisfied customers
I have never missed a COBRA payment and was recently 2 days

I have never missed a COBRA payment and was recently 2 days late on a postmark for my November premium- (sent Dec. 2nd )They cancelled my insurance beginning Nov. 1st. They had already pre approved knee surgery I had on Nov. 11th but are now denying all claims. I owe around $10,000 out of pocket now! I am stressed to the max, and can't possibly pay this amount.....I have appealed once, and they turned me down; now I'm sending a 2nd appeal for what its worth... I was very ill the last 10 days of November which is why I was late on the payment....do I have any recourse at all here? Thank you!JA: Was this discussed with a manager or HR?Customer: NoJA: Is the employment "at will," union, full time, or part time?Customer: It was full time, and I was terminated on 8/25/2015JA: Anything else you want the lawyer to know before I connect you?Customer: No thats it

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John

Attorney

Doctoral Degree

8,610 satisfied customers
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