What can I do about my COBRA heath insurence being terminated with out my knowing almost 2 months ago?

Answer 1

How could it have been terminated without your knowledge? Either you pay the bill on time, or you don't. If you didn't pay the bill on time, there is no grace period, and no warning. They don't hold your hand. You're presumed to be capable of handling the payment on time, yourself.

Answer 2

First: depending on the reason for the termination of your Group Coverage, you either had 18 months or 36 months of continuation available to you. Did time just run out? No notification is required by law when COBRA runs out (although it is typically provided). You should also have received a HIPAA Certificate of Creditable Coverage from your insurance carrier.

Second: did you pay on time? There is actually a 30 day grace period built into the law. If you do not pay by the first of the month, your coverage is "suspended" and eventually terminated if full payment is not received by the end of the 30 day grace period. If you didn't pay on time, or within the grace period, you have no recourse. If you think you did pay and were canceled in error, get your documentation ready.

Lastly: it could be an error. COBRA Administration is big business these days, but it is not without its share of errors. Big data files are shuffled back and forth and often times bits and bytes fall off, to some poor individual's great (but usually temporary) dismay.

All of the above should be resolved quickly enough with a call to your COBRA Administrator, whether that's in-house at your employer or a separate outfit like SHPS, Benefit One or Altus.

If you think your a victim of any misconduct the Dept of Labor is the right authority to contact, but you'd better have your case in good order *before* contacting them for assistance. They can bring down the Big Hammer, but they won't even lift it if they don't think there's proof or cause to do so.

Good luck.

Answer 3

A couple of things could have happend.

1. You exhausted your 18 months of continuation as defined by federal law. (Or longer with some special situations and states such as California with Sup CAL-Cobra)

2. Have not satisfied your cobra paymen requirement.

3. Your employer dissolved or is no longer offering coverage to the rest of its employees.

Otherwise, if none of the above apply, you will need to reach out to your HR department for an explaination. If their explaination does not reference any of the above topics I would suggest calling the Department of Labor.

Contrary to popular beleif, Department of Insurance does not monitor Federal Cobra as this is a function of the federal gov't and specifically, an employer responsibility to report such to the carrier.

Answer 4

Did you not pay your premium? If your premium is late, your COBRA can be cancelled...they don't have to accept a late payment from you.

Did you run out of time on COBRA? Its not indefinite - once you hit the end of your alloted time, you're cancelled.

You'll need to find out *why* you were cancelled first, then go from there to see if you have legitimate grounds for a complaint or not.

Answer 5

Did you run out of time on it? It doesn't go on forever. Did you miss a payment, or pay late? Did you contact your former employer and ask why it was terminated?

Answer 6

Contact the individuals who do the cobra for you! they are the only ones who are resp for the policy being termed and the policy being active!

Answer 7

They must leave you covered 18 months if you pay the bill on time. Check your canceled checks to make sure they were on time.

Answer 8

depends on the reason for the termination and the documentation that exists
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Answer 9

You'll have to discuss to your boss about & asked him how to rebuild it more conventionally?