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If
I change jobs or become unemployed, can I bring my coverage
with me?
If you switch employers, you have the right
to carry your group health insurance coverage with you to
a new job for up to 18 months under the Consolidated Omnibus
Budget Reconciliation Act (COBRA).
- You must pay the full premium, but at group rates that
are far cheaper than the individual rates you would pay
for similar coverage. Health insurance under COBRA is
available if you are in the following situations:
- You leave a company and become unemployed or self-employed
for up to 18 months.
- You are a widow or widower or child of an employee who
dies while working for the same company for three years
or more.
- You are the divorced spouse or child of an employee
who has left the company he or she was employed at for
at least three years
You are the child of an employee who left a job and have not
yet reached age 23.
NOTE: If you need COBRA benefits, you must fill out the appropriate
forms from your employer’s benefits department within
60 days of leaving your job. If you do not act within that
time, you may be denied coverage.
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