How does health insurance work while on disability?
July 15, 2011 8:13 AM Subscribe
If someone goes on disability, do they have to go on COBRA or do they keep their company insurance? My uncle was diagnosed with Stage 4 liver cancer yesterday. I am trying to do research about how health insurance works when one is severely ill.
posted by afton to health & fitness (14 answers total) 1 user marked this as a favorite
I’m asking a question for a family member, so hopefully I can express their question in a way that makes sense. My uncle (dad’s brother) was just diagnosed with Stage 4 liver cancer yesterday. He is 52, with 3 kids, and this is obviously a huge shock for the family.
My father is devastated, but in keeping with his personality, he is trying to research and determine the best plan of action for his brother. He is currently out of the country, and called me this morning to ask me to do some research for him regarding health insurance when one is severely ill/ disabled.
Basically, the question is: If someone goes on disability at work, do they have to go on COBRA or do they keep their company insurance? My uncle is already worried about the fact that he will be pulling in 65% of his salary, and wants to know if he will at least keep his company medical insurance. My dad seems to think there are law regarding these situations, but we are all pretty uneducated about this. My uncle works for a small company, and their HR person couldn’t answer any of his questions. My father has been calling his company’s HR department, but can’t get ahold of anyone. Maybe this varies depending on the company? If so, I guess he’ll have to get his HR person to actually figure it out.
If anyone has any insight or advice on how this sort of thing works, I would be very grateful. Any other information about the business end of very serious illness would be appreciated.
Thanks so much.