Helping Employees Assert Their Rights to Continued Coverage
Did you recently leave a job that offered health insurance benefits and then incurred medical expenses? If so, you may be entitled to compensation.
The Consolidated Omnibus Budget Reconciliation Act or (“COBRA”) requires that most employers allow employees and their families the opportunity to continue health care coverage under the employer’s plan when a “qualifying event” occurs, including termination of employment.
Other qualifying events include
- A covered employee’s death,
- A covered employee’s reduction in hours for reasons other than gross misconduct,
- A covered employee’s becoming entitled to Medicare,
- A covered employee’s divorce or legal separation, and
- A child’s loss of dependent status (and therefore coverage) under the plan
Our COBRA attorneys can provide the legal support you need to assert your right to claim coverage under COBRA. For more information, reach out to us online or call (888) 418-7094.
Were You Notified of Your COBRA Rights?
COBRA coverage is not automatic; covered employees and their covered family members must affirmatively elect COBRA. To do this, the employees must be notified of their rights. The notice must be sent by the plan administrator within 14 days.
A COBRA notice is required to contain a number of details including the following:
- Name of the plan that will continue
- Name, address, phone number of the plan administrators
- Identification of qualifying event
- Identification of qualified beneficiaries
- The date in which the current plan will be terminated if COBRA coverage is not enacted
- Explanation that each beneficiary has the right to decide to continue coverage
- The procedure for continuing coverage
- An explanation of what will happen if coverage is not continued
- An explanation of what the coverage will include
- When coverage will begin
If you feel you may have been affected, please fill out our online form and an attorney will contact you to schedule a free consultation.