are being laid-off or are taking a leave of absence, please
consult your Benefits Department to determine company policy on
these issues. Your employer may have an internal policy
for these situations whereby your insurance benefits can be
continued for a short period of time.
Regardless of your company’s
internal policy, if your employment is terminating (for reasons
other than gross misconduct), or your work hours are being
reduced so you will no longer be eligible for benefits as a
full-time employee, you have the right to continue your Medical,
Dental and/or Vision benefits under the federal COBRA
continuation laws for up to 18 months.
Your employer will notify the
insurance company(s) that you are no longer a full-time employee
and that your coverage should be discontinued. You and
your dependents (if applicable) who were also covered will be
sent notification of your rights under COBRA, and from that
notification date you will have 60 days to enroll for COBRA
continuation coverage and pay the necessary premiums.
Please note that the COBRA rights
extend to the Flexible Spending Account as well if you are
participating in that. Please consult your HR Department
about the specifics of this.
If you have Group Life Insurance
coverage that will be discontinued due to your reduction in work
hours or termination, you may convert this Life Insurance to an
Individual policy, and pay the necessary premiums.
Please consult your Benefits
Department for the necessary forms to be completed, and they
will submit them to the appropriate insurance companies and/or