How long after you leave a job does your health insurance is supposed to expire?

Question

My mother says by law, it should cut off 3 months from when you left the job. Does any know the legal side of this?

Answer 1

It may depend on how the company has set up the plan, but every place I've ever worked, you're covered through the last day of the month you leave. So if your last working day were today, for example, you'd have coverage through May 31. After that, you can pay the premium yourself, the same rate the company pays, (called COBRA or State Continuation), for up to 18 months.

Answer 2

Moms - great for that starve a fever... feed a cold thing....Bad for heath care legal advice. Your health insurance could end the day you leave the company. Some companies give you till the end of the month or 30 days or whatever they feel like.
Unless you have a severance package or are in a union, I would be shocked if they company is going to give you over $ 1,000-$1500 worth of insurance coverage for nothing.

If it is a medium to large company you can ask the HR dept. and you can reasonably expect them to follow state law. But you could also check with other sources.
Get anything in writing, otherwise it is worthless.

Most states have a COBRA policy. Basically you can pay for your own insurance but get the same policy and payment as the company makes.

Answer 3

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RE :How long after you leave a job does your health insurance is supposed to expire?
My mother says by law, it should cut off 3 months from when you left the job. Does any know the legal side of this?
Follow 9 answers

Answer 4

Health benefits usually end at the end of the month in which you leave. However, you can still keep your insurance through COBRA, but you'll have to pay the premiums yourself. Might be a good idea if your new insurance at your new job has preexisting condition clause. Preexisting can go for 6 months to 1 year. If you are currently being treated for something, new insurance won't cover it.

Answer 5

Your mother is talking out of her hat - she has NO idea. She's guessing, or hoping.

MOST of the time, it expires either the day AFTER employment is terminated, or on the last day of the month of employment. NEVER three months.

Sometimes, you can elect to keep paying for the benefits, if you want to pay out of pocket, under the COBRA law, but that lasts 18 months.

Answer 6

If you are having $ deducted from you paychecks to pay for insurance, then you are only covered til the end of the month. Health Insurance is not going to cover you if you aren't paying.I can't speak for anywhere else, but in Ohio, after your employment is terminated, you get info in the mail for Cobra insurance,which you can pay for and it will tide you over until you are employed again. And its usually expensive.

Answer 7

It depends on the company. Some cut you off on your last day of work, some give you until the end of that month. Some give you 90 days. It's individual, not law.

Answer 8

it depends on the company and where you live and if you were paying for the insurance. Some companies when you quit the insurance is done at the end of the month. If you are laid off it might be longer.

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