August 17, 2010 6:46 PM Subscribe
What to do regarding COBRA coverage being canceled due to negligence of former employer?
posted by moosedogtoo to Work & Money (9 answers total)
Husband was laid-off from his job of 20 years in October 2009. He hand-delivered a check every month for COBRA coverage. We have copies of the canceled checks. The last one was for March because coverage at his new job started April 1, 2010.
In the middle of March, I had to take our baby to the ER because of an allergic reaction to a medication. We received an explanation of benefits last week denying the claim because the COBRA policy was canceled on 2/28 instead of 3/31.
Husband went around and around with the idiots at the company and they agreed to refund the COBRA payment for March. So, now we're responsible for this big ER bill because the HR idiot didn't do her job.
The other problem is Husband is starting another new job in September. We're afraid the month lapse is going to affect our creditable coverage since we won't have had a year on the new insurance. For what it's worth, we have letters from the insurance company stating that the policy ended on 3/31. Not sure why they say that, but they do. Their website has the 2/28 date on it.
Is it too late to pay for that month of COBRA without going through the company? Is this going to affect our creditable coverage for the job Husband will be starting in September?