If I give 2 weeks notice to resign from my job, who long will I be covered under my employers health plan?

Question

My last day of work will be 3-14-08, and I plan to start my new job on 4-7-08. Trying to figure out if I need to sign up for COBRA for the couple of weeks that I will not be employeed.

Answer 1

It's strictly up to your previous employer how long you are covered when you terminate.

You also need to consider when you will actually be covered by your new employer, since most employers have a waiting period of 30-90 days before you are actually covered under the new insurance.

Answer 2

Depending upon the situation you probably don't need to sign up for COBRA at this time. The rules for COBRA are you have 60 days from the time your receive your COBRA notice or you lose coverage to sign up. When you sign up for COBRA you must pay the premium back to the first day (which would be the day your current insurance stops) but you will be covered for any medical charges incurred. This is the only time you can get health insurance after the fact. Here is the government website concerning COBRA: http://www.dol.gov/dol/topic/health-plan...

You may have a wait before getting benefits with your new job. If you are healthy a short term medical policy would probably be best. If you are not healthy and need medical care COBRA may be best.

Answer 3

If you're not unionized, then I've been told that the day you end employment, you are no longer covered. However, I think you may want to ask you HR department at your current job, just to make sure.

Answer 4

If you are unionized then you have approximately 6 months to a year,

Answer 5

You are covered until the last day of the calendar month in March.  You will have a week where you are not covered.  Don't sign up for COBRA unless something happens.  If you do need medical attention, you can request coverage back to the day you stopped being insured - up to 60 days.  So wait and see what happens.  You will probably be fine without it, but if you do need it, you can get it retroactive.

Answer 6

Varies by policy and employer. NO one on this site can accurately answer this question for you.

Answer 7

You normally pay your benefits 30 days in advance.  Your employer pays your premium for the next month from the current month's deductions.  After your last check in February, the employer paid for all of March.  At the end of March, your employer should have paid at least 1/2 of April.  If you leave 3/14, you should have coverage until at least 4/15, if not until the end of the month..  After that, you would have to enroll in COBRA.

If your employer did not pay for that coverage, then where is the money they deducted from your check?

If you are a member of a union that covers benefits after that, then you have a rare case that others may not have.