In Virginia can a former employer just stop my Cobra Insurance? And do they have to notify me that they dropped me?

Similar questions: Virginia employer stop Cobra Insurance notify dropped.

COBRA is a federal rule that requires your insurance provider to make an option available for you to continue paying healthcare coverage when you are not employed. Your former employer has nothing to do with it, whatsoever. What you may be experiencing is that many healthcare plans are actually slightly overfunded by the employer.

The extra paid into the plan is reserved for use in the event the payment is reduced, for example, if you take a vacation. If you have worked for an employer for a significant amount of time, this reserve can build up to a substantial amount. This may last for up to a year or two before the reserve runs dry.

Once this happens, you get a "cobra" letter telling you that there is not enough money in the reserve to continue coverage and giving you the option of paying it out-of-pocket. So for the short answer, your former employer most likely stopped paying your healthcare expenses when you left his employment. The reserve you accumulated while working there has just run out.

Now you will find out just how expensive healthcare insurance in America actually IS.

I believe COBRA entitles you access to the same level of coverage received by fellow employees...for 18 mos. But, if the company goes under, or if it reorganizes in a way so that the former company no longer exists, COBRA ends. This is a risk to working in a start-up.

Employers use 3rd party administrators to handle such matters. First try to pursue this with them to understand what is going on. Employers, especially small ones, rarely have knowledgable staff in HR on this.

Systems are generally designed by humans and as such are subject to errors. I have known cases where COBRA payments were made, yet they weren't captured in the right place and insurance was erroneously terminated. Of course, it was immediately reinstated once the error was found.

Pursue the issue with both the 3rd party administrator and your former HR department.

The health plan administrator could stop your COBRA for non payment of premiums, cancellation of the group health plan, fraud on the plan, or your written request to leave the plan. COBRA is your federal entitlement, an employment right, so no the employer cannot cancel just because they feel like it. An health insurer should send you your health insurance certificate when you lose your coverage initially or when your COBRA runs out.Htm.

Well, your employer only has to cover you for 18 months. So they don't need to notify you of when Cobra is ending, since it's assumed you know that. Is that the case?

Has it been 18 months? If not, contact your state's employment board.

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Have you ever thought about getting this kind of coverage?" "Before I buy a new homeowner's insurance policy, do I need to notify my old company that I'm cancelling my policy? " "Can an employer, who didn't take insurance premium out of my check can she make me pay it back" "Can an employer take SDI contribution from a severance check prevent U from collecting SDI insurance? " "What kind of an (entry level?) job can land you with a decent COBRA insurance?

I just lost my job as of 08/20/2010 do I get cobra insurance at 65% coverage by employer.

Does employer pay out of pocket for my workers comp. Or does there comp insurance cover it all.

Can an employer, who didn't take insurance premium out of my check can she make me pay it back.

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