Need Help Asserting Your COBRA Rights in Michigan?
According to the provisions of COBRA (Consolidated Omnibus Budget Reconciliation Act), workers who lose their jobs for reasons other than gross misconduct are entitled to continue their health insurance at their own expense for 18 to 36 months, depending on the reason they lost their insurance:
- If you lose your job to a layoff or downsizing, you can continue coverage for 18 months.
- If you lose your insurance due to divorce, you can continue coverage for 36 months.
- If you become disabled after you have lost your job, while taking advantage of COBRA, you can extend coverage for an additional 18 months.
COBRA and Insurance Benefits After a Layoff
Many workers (and their families) who do take advantage of COBRA report that the premiums are "too expensive." In some cases, there is relief available from the high premiums. For example, sometimes in a layoff package, employers will agree to continue paying their portions of the premium as they did when the employees were working, rather than shifting the entire premium onto the unemployed worker.
If your Michigan employer will not cooperate when you try to keep your health insurance after losing your job, you are welcome to discuss the situation with an experienced employment law attorney at Schwartz Law Firm.
In-Depth : Michigan Employment Law Blogs.
When COBRA Eligibility Ends
Gray areas, disputes and questions sometimes arise in connection with COBRA after eligibility for insurance has ended. Legal advice is important if your insurance is likely to have a significant financial impact on you and your family.
Insurance Benefits: FAQ
In the course of employment, questions regarding insurance benefits and legalities also arise. For example, what happens when an employer switches insurance companies, and a condition that was previously covered no longer is? Do affected employees have recourse?
Get answers to your questions through an individualized analysis of your employment and insurance particulars. Contact us to schedule a consultation with a lawyer concerning COBRA and insurance benefits in the Michigan workplace.
Schwartz Law Firm is located in Farmington Hills and also advises and represents employers on COBRA and insurance benefit matters.