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(B. failed to make timely, complete payments and lost her coverage.)Tj
/T1_0 10.82 Tf
-116.28 -13.68 Td
(Without extremely clear explanation of the payment due)Tj
/T1_1 12.1 Tf
267.12 -1.08 Td
(, how it is calculated, ana timelines for)Tj
/T1_1 12.23 Tf
-270 -15.48 Td
(payment)Tj
/T1_0 10.92 Tf
41.4 2.16 Td
(, this is a possible scenario for many beneficiaries.)Tj
/T1_1 5 Tf
-39.96 -28.08 Td
(2. )Tj
/T1_0 11.22 Tf
14.76 0 Td
(Notice of early termination)Tj
/T1_1 5 Tf
20.88 -28.44 Td
(a. )Tj
/T1_0 11.18 Tf
11.16 0 Td
(Time period)Tj
/T1_1 12 Tf
-11.88 -28.44 Td
(Notice of early termination of coverage should have to be furnished with\
in a maximum)Tj
/T1_1 11.81 Tf
-35.28 -14.04 Td
(time frame)Tj
/T1_1 11.93 Tf
52.2 -0.36 Td
(, rather than ")Tj
/T1_1 11.92 Tf
65.52 0 Td
(as soon as practicable.)Tj
/T1_1 12.19 Tf
107.64 -0.36 Td
(" See 29 CFR ~2590.)Tj
/T1_1 11.59 Tf
104.76 -0.36 Td
(606-)Tj
/T1_1 12.24 Tf
21.6 0 Td
(4\(d\)\(3\). Ideally, such)Tj
/T1_1 11.97 Tf
-351.72 -12.96 Td
(notice should have to be given in advance of the premature termination s\
o the beneficiary can)Tj
/T1_1 11.83 Tf
0 -14.04 TD
(address the cause)Tj
/T1_1 11.96 Tf
82.8 -0.36 Td
(, if possible \(especially in the case of non-)Tj
/T1_1 12.04 Tf
201.96 -0.72 Td
(payment of premium\). Even if)Tj
/T1_0 10.5 Tf
-284.76 -12.96 Td
(coverage carmot be preserved or reinstated)Tj
/T1_1 11.97 Tf
204.12 -1.08 Td
(, prompt notice will allow beneficiaries to arrange for)Tj
/T1_1 11.96 Tf
-204.48 -12.96 Td
(other coverage without pre-existing condition exclusions.)Tj
/T1_1 11.93 Tf
35.64 -28.8 Td
(Case example)Tj
/T1_1 11.91 Tf
72.72 0 Td
(Health Law Advocates)Tj
/T1_1 12.28 Tf
111.96 -0.36 Td
(' client Me. learned at the )Tj
/T1_1 12.31 Tf
129.24 -0.36 Td
(pharmacy that the)Tj
/T1_1 12.14 Tf
-352.08 -15.48 Td
(family)Tj
/T1_0 10.9 Tf
35.64 2.16 Td
(s COBRA coverage through her husband')Tj
/T1_1 12.41 Tf
200.88 -0.72 Td
(sformer employer had ended. She later found)Tj
/T1_1 12.04 Tf
-234.36 -12.96 Td
(out that the company had become insolvent and discontinued the group pla\
n. Had )Tj
/T1_1 13.17 Tf
396 -1.8 Td
(Me. received)Tj
/T1_0 11.03 Tf
-396 -12.24 Td
(timely notice of the COBRA termination)Tj
/T1_1 12 Tf
191.88 -1.08 Td
(, the family would have been better prepared to find non-)Tj
/T1_1 12.19 Tf
-192.6 -15.48 Td
(group coverage or enroll in a public program.)Tj
/T1_1 5 Tf
36 -26.28 Td
(b. )Tj
/T1_0 10.92 Tf
11.88 0 Td
(Early termination notice should be separate from HIP AA notice)Tj
/T1_1 11.98 Tf
-11.88 -28.08 Td
(The preamble to the regulations notes that plans are permitted to give t\
he notice of early)Tj
/T1_1 11.96 Tf
-35.64 -14.04 Td
(COBRA termination in the same document as the HIP AA notice of creditabl\
e coverage. Unless)Tj
/T1_1 11.74 Tf
T*
(such plan flexibility is required by HIP AA)Tj
/T1_1 11.97 Tf
203.4 -1.08 Td
(, these very important but distinct notices should be)Tj
/T1_1 11.84 Tf
-203.76 -13.32 Td
(separate. Of course)Tj
/T1_1 11.96 Tf
91.8 -0.36 Td
(, a plan may still mail or deliver the two documents to a beneficiary at\
the)Tj
/T1_1 11.63 Tf
-91.8 -14.04 Td
(same time.)Tj
/T1_1 5 Tf
17.64 -28.44 Td
(c. )Tj
/T1_1 11.95 Tf
14.4 0 Td
(Single notice of early termination to the covered employee and spouse is\
inadequate)Tj
/T1_1 11.96 Tf
-14.76 -28.44 Td
(We reiterate here our earlier comments about the inadequacy of single no\
tice for an employee)Tj
/T1_2 8.46 Tf
-18 -14.04 Td
(and covered spouse. \(See page 3)Tj
/T1_2 5 Tf
158.4 -1.08 Td
(, section A\(4\)\(b\), )Tj
/T1_1 11.96 Tf
85.68 0 Td
(infra.)Tj
/T1_1 12.27 Tf
-244.44 -27.72 Td
(D. Additional comments)Tj
/T1_1 11.98 Tf
35.64 -28.8 Td
(Health Care For All and Health Law Advocates have reviewed the excellent\
and thorough)Tj
/T1_1 11.96 Tf
-35.64 -14.04 Td
(comments prepared by the National Partnership for Women and Families)Tj
/T1_0 10.7 Tf
351 -1.44 Td
(, the Health Assistance)Tj
/T1_1 12.03 Tf
-351.36 -12.96 Td
(Partnership and the Center for Medicare Advocacy. \(See copy enclosed.)Tj
/T1_1 12.34 Tf
347.76 -1.44 Td
(\) We support these)Tj
/T1_1 11.98 Tf
-348.12 -12.96 Td
(thoughtful comments in their entirety, and ask that the Department give \
their recommendations)Tj
/T1_0 10.03 Tf
68.76 -22.32 Td
(Health Care For )Tj
/T1_2 8.06 Tf
74.16 -0.36 Td
(All. 30 Winter Street)Tj
/T1_0 10.55 Tf
101.88 -0.36 Td
(, Suite 1010 . Boston)Tj
/T1_1 11.41 Tf
98.28 -0.36 Td
(, MA 02108)Tj
/T1_1 11.03 Tf
-271.08 -12.6 Td
(Phone: \(617\) 350-)Tj
/T1_2 9.65 Tf
81 -0.36 Td
(7279. FAX: )Tj
/T1_1 10.85 Tf
63.72 -0.36 Td
(\(617\) 350-)Tj
/T1_2 9.65 Tf
46.8 0 Td
(7545. TTY: )Tj
/T1_1 10.85 Tf
63.72 0 Td
(\(617\) 350-)Tj
/T1_1 10.62 Tf
46.8 -0.36 Td
(0974)Tj
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