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OnlineAdviser forum
COBRA after medical termination of employmentRevised July 7, 2011 Our guest asks: I have been out on disability leave and received state disability income since February and if I do not return to work by the end of may my medical benefits and my employment will be terminated. My Primary Care Provider does not feel I will be able to return to work by May. I know I will become eligible for COBRA benefits but will I be eligible for the reduced rate if it is due to an involuntary termination? OnlineAdviser responds:Yes, you would be eligible for COBRA coverage with the premium subsidy upon termination of employment regardless of whether your or the employer initiate the termination. The only cause of termination of employment that disrupts COBRA eligibility is a firing for gross misconduct. See http://www.cobraplan.com for more details and Q&As on COBRA issues. Other resources: Columnist Tony Novak answers user questions in a wide range of consumer finance issues. Health insurance questions and responses are published here to help others with the same issues. Personal information is removed from the question prior to publication. Novak has addressed more than 50,000 consumer finance questions in newspapers, radio television and Internet over a span of 24 years. An expanded biography is published at www.tonynovak.com. Novak is frequently compensated for endorsement of the companies covered in the forum. Advise is from sources believed to be reliable but cannot be guaranteed. OnlineAdviser comments represents the opinion of the adviser only and not represent the position any other person or business. This service is provided without charge on a best-efforts basis. Neither Freedom Benefits nor the adviser assume any liability for the effects of reliance on this advice. Have a Question? Ask OnlineAdviser for a fast professional response. |
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