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Charly
LOVE!
Member since 5/05 12578 total posts
Name:
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Re: Minor Update- NPR- but I need to share some bad news & maybe get some hugs
I'm soooo sorry Everyone gave great suggestions and advice. I wish you the best of luck and I hope this turns out to be a good thing that you just don't realize yet!!
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Posted 2/5/08 10:09 PM  |
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Long Island Weddings
Long Island's Largest Bridal Resource |
Aga
hello baby Albert
Member since 9/05 7750 total posts
Name:
Aga
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Re: Minor Update- NPR- but I need to share some bad news & maybe get some hugs
Posted by thiadora
Posted by nrthshgrl
They are not required by law to offer COBRA if they have less than 20 employees. If they do let you continue on the health plan, my guess is you will be paying a huge amount of a month, unless they are also covered under Health Care NY too. Participating in their plan helps them. I think you may be better off collecting unemployment & focusing on interviewing rather than working as a subcontractor for them. I could see you easily getting roped into the same work minus benefits.
Look under the individual plans for Health Care NY / Child - it's run by the state & is highly subsidized.
Health Care NY Info
Suffolk County Rates
Thanks
if you dont have a lot of money, cobra is probably not the best option anyway... my husband just switched jobs and cobra for us would mean $1100.00 per month, nuts!!!!!!!!!!! but look into healthy new york as someone suggested
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| Posted 2/6/08 3:57 AM |
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Ang-Rich
Beyond Compare
Member since 5/05 17988 total posts
Name:
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Re: Minor Update- NPR- but I need to share some bad news & maybe get some hugs
Posted by nrthshgrl
They are not required by law to offer COBRA if they have less than 20 employees. If they do let you continue on the health plan, my guess is you will be paying a huge amount of a month, unless they are also covered under Health Care NY too. Participating in their plan helps them. I think you may be better off collecting unemployment & focusing on interviewing rather than working as a subcontractor for them. I could see you easily getting roped into the same work minus benefits.
Look under the individual plans for Health Care NY / Child - it's run by the state & is highly subsidized.
Health Care NY Info
Suffolk County Rates
I thought that in NYS so long as a company had a group health insurance plan they had to extend COBRA to employees. N.Y. Ins. Law 3221(f), 3221 (m)
Message edited 2/6/2008 9:30:59 AM.
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| Posted 2/6/08 9:16 AM |
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PrincessP
Big sister!!!!!!!!!!
Member since 12/05 17450 total posts
Name:
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Re: Minor Update- NPR- but I need to share some bad news & maybe get some hugs
Thats not a bad idea if you can continue to pay the health insurance like you work for them until you can find something else.
2 companies that I heard give health insurance right away are AHRC and I believe Geico.
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| Posted 2/6/08 9:21 AM |
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Ang-Rich
Beyond Compare
Member since 5/05 17988 total posts
Name:
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Re: Minor Update- NPR- but I need to share some bad news & maybe get some hugs
From the NYS Insurance Website:
Link
Questions: My former employer has less than 20 employees. Am I entitled to continuation of my health insurance plan upon separation from their employment?
Ans: Yes. New York State law requires small employers (less than 20 employees) to provide the equivalent of COBRA benefits. You are entitled to 18 months of continued health coverage (29 if you are disabled, 36 for spouse and dependents if eligibility is based on divorce or death of employee, the employee becomes Medicare eligible or the dependent child ceases to be a dependent) at a monthly cost to you of 102% of the actual cost to the employer which may be different from the amount deducted from your paychecks.
Message edited 2/6/2008 9:32:02 AM.
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| Posted 2/6/08 9:30 AM |
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Briannasmommy
Love her so much <3
Member since 5/05 15567 total posts
Name:
Christina
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Re: Minor Update- NPR- but I need to share some bad news & maybe get some hugs
i'm so sorry
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| Posted 2/6/08 9:32 AM |
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Bxgell2
Perfection
Member since 5/05 16438 total posts
Name:
Beth
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Re: Minor Update- NPR- but I need to share some bad news & maybe get some hugs
Change is scary because it brings with it uncertainty. But it can also lead to even greater, better, happier opportunities, so I hope that's the path you go down as a result...
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| Posted 2/6/08 9:33 AM |
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thiadora
Happy Little Girl
Member since 5/05 3830 total posts
Name:
Thia (Cynthia)
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Re: Minor Update- NPR- but I need to share some bad news & maybe get some hugs
Posted by Ang-Rich
From the NYS Insurance Website:
Link
Questions: My former employer has less than 20 employees. Am I entitled to continuation of my health insurance plan upon separation from their employment?
Ans: Yes. New York State law requires small employers (less than 20 employees) to provide the equivalent of COBRA benefits. You are entitled to 18 months of continued health coverage (29 if you are disabled, 36 for spouse and dependents if eligibility is based on divorce or death of employee, the employee becomes Medicare eligible or the dependent child ceases to be a dependent) at a monthly cost to you of 102% of the actual cost to the employer which may be different from the amount deducted from your paychecks.
So if she's investigating having me continue under the current plan, does that count as equivalent cobra benefits? (I really think that she just really has no idea what the DOL laws are.) And 102% of what she pays is actually more than she was quoting me. But after she does some research, maybe she'll come up with this.
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| Posted 2/6/08 9:49 AM |
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Ang-Rich
Beyond Compare
Member since 5/05 17988 total posts
Name:
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Re: Minor Update- NPR- but I need to share some bad news & maybe get some hugs
Posted by thiadora
Posted by Ang-Rich
From the NYS Insurance Website:
Link
Questions: My former employer has less than 20 employees. Am I entitled to continuation of my health insurance plan upon separation from their employment?
Ans: Yes. New York State law requires small employers (less than 20 employees) to provide the equivalent of COBRA benefits. You are entitled to 18 months of continued health coverage (29 if you are disabled, 36 for spouse and dependents if eligibility is based on divorce or death of employee, the employee becomes Medicare eligible or the dependent child ceases to be a dependent) at a monthly cost to you of 102% of the actual cost to the employer which may be different from the amount deducted from your paychecks.
So if she's investigating having me continue under the current plan, does that count as equivalent cobra benefits? (I really think that she just really has no idea what the DOL laws are.) And 102% of what she pays is actually more than she was quoting me. But after she does some research, maybe she'll come up with this.
I believe so. What she is probably going to do is contact the health insurance administrator to find out what their legal obligations are and how to go about it. Bottom line...they have to offer you 18 months of coverage under their plan and you should expect the price tag to come in at 102% of the actual cost.
ETA: You have the option to decline. You must make your decision in 60 days I believe. Regardless of your decision...you have the right to the coverage and if your employer does not extend it...they are in violation under NYS. I would recommend dropping a dime. 
ETA: Sorry...one more: She needs to have an answer to you before your employment ends.
Message edited 2/6/2008 10:03:48 AM.
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| Posted 2/6/08 10:01 AM |
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thiadora
Happy Little Girl
Member since 5/05 3830 total posts
Name:
Thia (Cynthia)
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Re: Minor Update- NPR- but I need to share some bad news & maybe get some hugs
Posted by Ang-Rich
Posted by thiadora
Posted by Ang-Rich
From the NYS Insurance Website:
Link
Questions: My former employer has less than 20 employees. Am I entitled to continuation of my health insurance plan upon separation from their employment?
Ans: Yes. New York State law requires small employers (less than 20 employees) to provide the equivalent of COBRA benefits. You are entitled to 18 months of continued health coverage (29 if you are disabled, 36 for spouse and dependents if eligibility is based on divorce or death of employee, the employee becomes Medicare eligible or the dependent child ceases to be a dependent) at a monthly cost to you of 102% of the actual cost to the employer which may be different from the amount deducted from your paychecks.
So if she's investigating having me continue under the current plan, does that count as equivalent cobra benefits? (I really think that she just really has no idea what the DOL laws are.) And 102% of what she pays is actually more than she was quoting me. But after she does some research, maybe she'll come up with this.
I believe so. What she is probably going to do is contact the health insurance administrator to find out what their legal obligations are and how to go about it. Bottom line...they have to offer you 18 months of coverage under their plan and you should expect the price tag to come in at 102% of the actual cost.
ETA: You have the option to decline. You must make your decision in 60 days I believe. Regardless of your decision...you have the right to the coverage and if your employer does not extend it...they are in violation under NYS. I would recommend dropping a dime.
ETA: Sorry...one more: She needs to have an answer to you before your employment ends.
Thanks That's exactly how I interpreted it.
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| Posted 2/6/08 12:46 PM |
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