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John, Employment Lawyer
Category: Employment Law
Satisfied Customers: 5557
Experience:  Exclusively practice labor and employment law.
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In the state of MICHIGAN , if you quit a job is the company

Customer Question

In the state of MICHIGAN , if you quit a job is the company required to legally send you a Cobra insurance letter for further medical coverage?
Submitted: 1 year ago.
Category: Employment Law
Expert:  John replied 1 year ago.
COBRA is required for employers with 20 or more employees. The employer has 30 days from the qualifying event (usually termination of employment) to notify the plan administration of the qualifying event. After receiving a notice of a qualifying event, the plan must provide the qualified beneficiaries with an election notice, which describes their rights to continuation coverage and how to make an election. The election notice must be provided to the qualified beneficiaries within 14 days after the plan administrator receives the notice of a qualifying event. So overall, it may be as log as 44 days from the qualifying event before notice is given.
Then, at a minimum, each qualified beneficiary must be given at least 60 days to choose whether or not to elect COBRA coverage, beginning from the later of the date the election notice is provided, or the date on which the qualified beneficiary would otherwise lose coverage under the group health plan due to the qualifying event. If COBRA coverage is elected, the coverage is retroactive to the date that coverage lost. So, as you can see, it can be as long 104 days from loss of coverage before coverage is elected, but when it is elected it is retroactive to date of loss of coverage.
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Expert:  John replied 1 year ago.
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