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elaws - employment laws assistance for workers and small businesses - Health Benefits Advisor

Job Loss

Loss of a job, whether voluntarily or due to business closing, downsizing or other employer action, can affect the health coverage available to you and your family. Knowing your options and understanding your rights can prevent an end to health care coverage.

Depending on your circumstances, you and your family members may have the opportunity to elect COBRA continuation coverage at group rates under your former employer’s health plan. You and your family members may also have the right to enroll in a group health plan sponsored by your spouse’s employer. There also may be opportunities available to you outside the group health plan context.

Before making any decisions, you should carefully consider the information on COBRA continuation coverage and the other coverages for which you and your family members may be eligible to determine which one best meets your needs.

Which type of coverage would you like to consider?