What kind of company lays off an employee who is 8 months pregnant? PULTE homes that's who. What a piece of SH** company! No health insurance for a brand new baby. PULTE SUCKS!!
2006-11-02 06:54:02 · 9 answers · asked by Jason H 3 in Business & Finance ➔ Insurance
I have heard Pulte sucks. They are a sketchy company. I would never buy a home from them. They are cheap.
Good luck. COBRA for a few months and then try to find insurance elsewhere.
2006-11-02 14:12:14 · answer #1 · answered by mamatohaley+1 4 · 0⤊ 0⤋
If you've been laid off, you can still keep your current health insurance by electing to enact your COBRA coverage.
Part of the Consolidated Budget Reconciliation Act (one of the the federal government budget bills during the Reagan era), required group health insurers to keep in force health coverage on employees who are terminated for certain reasons (being laid off does qualify) as long as the former employee paid the entire premium.
You will get a notice from your employer of your rights to elect COBRA coverage....you can even choose this retroactively for up to 60 days....again so long as you pay the full premium.
The hard part....you may not realize this but your employer likely paid 80% or more for your insurance and you'll see just how much this was when you have to pay the full premium.
It can be as high as $300 a month or more for single employees and more than $1200 a month for family coverage....so it is not cheap.
This even works if you employer was self-insured under ERISA (another federal alphabet soup acronym....this one is for the Employee Retirement Income Security Act)...which allows companies with more than 50 employees act as their own health insurer by paying claims themselves...but they don't have to abide by state solvency or mandated benefit laws.
So, don't go postal yet.....your baby needs you to stay calm.
I'd just pay a few months premiums and cancel after the baby is born, if you think you can get on some other insurance plan.
2006-11-02 16:24:21 · answer #2 · answered by markmywordz 5 · 1⤊ 0⤋
sounds like an americans with disabilities act claim to me. Contact a good labor (not a pun) attorney. They also have to offer you COBRA coverage for your health insurance. This would force you to pay the premium but that is a small cost as compared to going into child birth without coverage.
2006-11-02 16:29:42 · answer #3 · answered by waggy_33 6 · 1⤊ 0⤋
OK, I got laid off at 5 months, so I know where you're coming from.
HOWEVER. Check with your state CHIP program - Childrens Health Insurance Program - for free or low cost health insurance for the baby. A lot of them will also cover the pregnant mother.
She should also sign up for your state WIC program.
2006-11-02 15:54:36 · answer #4 · answered by Anonymous 7 · 1⤊ 0⤋
Unemployment and Medicare can cover you! I know how hard it is to be humble and ask for help but it is available to you if you need it. Cobra is way too expensive, I would have had to get another job just to afford that. Its cheaper to pay out of pocket. Look into what is available to you - even tho your pissed you need the coverage for the new baby. Good luck and God Bless!!!
2006-11-02 15:04:28 · answer #5 · answered by HereweGO 5 · 1⤊ 0⤋
They have to offer you COBRA. That should (temporary)take care of the medical part. Can the mother to be prove that it was discrimination? At the least, she need to talk to an attorney (any attorney would at least listen without asking for a retainer)
2006-11-02 15:04:44 · answer #6 · answered by bluedawn 3 · 2⤊ 0⤋
They have to offer you COBRA coverage.
Anyone can be laid off at any time. Thats just how things are.
Your being laid off will not affect your coverage as long as you pay your COBRA premium.
2006-11-02 14:59:09 · answer #7 · answered by BoomChikkaBoom 6 · 4⤊ 1⤋
That is pretty bad. I will say in the long run you will be fine! Life goes on!
2006-11-02 14:57:16 · answer #8 · answered by Anonymous · 0⤊ 0⤋
that sucks
2006-11-02 15:02:52 · answer #9 · answered by t d 3 · 0⤊ 0⤋