The parent's COBRA coverage terminates this month. But the son, who is 43 years old, is totally and permanently disabled since birth. Can the son's COBRA coverage continue independently of his parent's coverage?
2006-12-20 13:23:55 · 5 answers · asked by Benefits 1 in Business & Finance ➔ Insurance
No. Unfortunately, COBRA coverage for dependents is predicated upon the existance of COBRA coverage on the subscriber parent, or on the surviving parent if the subscriber's death caused the "qualifying event" that lead to COBRA being elected.
The dependent may now be eligible for coverage under his state's high risk pool (if any) or an individual policy issued pursuant to HIPAA. Contact his state's insurance commissioner to discuss the available options. Since he's permanently disabled, I assume he's also eligible for Medicare due to disability; perhaps purchasing a Medicare Supplement policy is a viable option. If he's not yet enrolled in Medicare Part D, this should be done as soon as possible.
The "CHIPS" program mentioned in a previous answer is not an option for him, due to his age. Check with his county Department of Social Services to see if he qualifies for Medical Assistance (Medicaid).
I hope this helps.
2006-12-20 22:56:23 · answer #1 · answered by Suzanne: YPA 7 · 0⤊ 0⤋
No, this coverage can only continue if the premium payor died. The cost will be forwared to the spouse not the child pass age 24 for an unmarried / full time student. The spouse would have to pay 102% of the premium above regular cost.
Normally this coverage would last for 36 months if filed within 31 days for the spouse only, and the disabled person would have to be insured under his own personal policy which would be very costly do to his condition, at most he would be declined for health insurance but! can file for medicade, medicare or long term care due to his condition.
2006-12-20 16:08:45 · answer #2 · answered by Richie B 1 · 0⤊ 0⤋
If the child is receiving support from SSI because the head of household is disabled, then that IS the child support, however, he needs to have his support order changed and reflect the changes in his income. If he paid through a state agency, like a Child Support Enforcement Division, then he can probably petition them to have a review by an Administrative Law Judge for free, especially if it has been more than three years since the last modifcation was made to the child support.
2016-05-23 02:49:27 · answer #3 · answered by Alison 4 · 0⤊ 0⤋
No. Cobra lasts 18 months.
But for a permanently disabled child, check out the CHIPS program in your state, or medicaid will also likely cover.
2006-12-20 15:03:43 · answer #4 · answered by Anonymous 7 · 0⤊ 1⤋
COBRA can only be carried for a maximum of 18 months. Try to apply for disability and medicaid for him.
2006-12-21 02:39:34 · answer #5 · answered by zippythejessi 7 · 0⤊ 0⤋