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Originally Posted by jms62
This really falls under 2 categories.
1. Those that never had insurance and get sick and try to get insurance
2. Those that had insurance got sick and lost a job.
Category 1 basically is you gambled and lost. Category 2 I would say extend Cobra indefinitely as long as the premiums are being paid you keep the policy and you can not be cancelled.
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with famla, i don't know that you can lose your job. anyone on famla leave still has their insurance, with their portion of the premium paid up in installments when they (presumably) come back to work. at least, that's how we do it. that's why i recommend to my co-workers that they also sign up for our short term disability, dirt cheap and pays two-thirds of their salary while they're off. but then, i also tell them to get medical, and they don't always listen. i had a lady not sign up...then she decided at open enrollment to sign up, but before she started getting coverage she suffered a mild stroke (young, but a smoker on birth control, so high risk)so any coverage related to that was called pre-existing, since the illness struck in march, and she didn't have coverage being in april. she still complains that they didn't pay, but refuses to take into consideration that her coverage hadn't started as yet.