You had me at health insurance LOL 36



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When people become unemployed they run the risk of losing their health insurance coverage. COBRA (Consolidated Omnibus Budget Reconciliation Act) was originally passed by congress within 1986 to furnish continuation of health insurance coverage for people who turn into unemployed. The stimulus package deal passed by the Obama administration has increased and extended specific health insurance benefits provided through COBRA.

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Difficulty: Moderately Challenging

Instructions

2 Plan Coverage

To learn if you are eligible for COBRA, you must first look in your employer's health insurance coverage. Group health plans for employers for twenty or more personnel, on the majority of its typical business days in the previous calendar year, qualify for COBRA health insurance coverage.

3 Qualified Beneficiaries

To be admissible to COBRA, you have to be a skilled beneficiary, which is any person covered with any group health plan on the day before a qualifying event. A qualified beneficiary can be an worker, employee's spouse, or an employee's dependent child. There are additional instances where exclusive individual might be some skilled beneficiary.

4 Qualifying Events

To determine if you are eligible for COBRA health insurance coverage, you should see if you have had any qualifying event. Qualifying events are precise events that would cause an individual to lose their health insurance coverage, these kinds of being termination of employment or reduction regarding work hours.

5 To determine if you are qualified for COBRA health insurance coverage and advantages, you may need to look within the Resources area beneath for links that will provide a lot more info. There are additional situations that lead to qualified beneficiaries, plus other situations that may be qualifying events. Read added about COBRA health insurance at these links to find out if you are eligible to get COBRA coverage.

Resources

COBRA Frequently Asked Questions COBRA Insurance Info website