How to File for COBRA Insurance

The Consolidated Omnibus Budget Reconciliation Act (COBRA) is a federal law that provides for continued group health insurance for employees and their families after you leave a job. There are strict rules about how and when you can file a COBRA claim for continuing coverage, including time limits for when you can apply. You'll need to adhere to these rules to retain your health care benefits under COBRA.

Instructions

• 1

  Get a copy of your company health plan rules stating how to get COBRA benefits. Each health care plan's rules may differ, but they must be included in the summary plan description. If you have your original health insurance policy, the summary plan description should be included. Otherwise, ask your employer or former employer how to get a copy. You may be charged up to 25 cents per page for copies of the plan rules.

• 2

  Submit a claim for COBRA benefits according to the company health plan's rules within 60 days of your qualifying event. In general, your qualifying event is voluntary or involuntary loss of employment, except for cases of gross misconduct. You may be required to pay a premium at the time of your claim, and you will probably have to file a written claim form or write a letter claiming benefits.

• 3

  Wait for your claim to be approved or denied. If your claim is denied, you should hear within 90 days. You'll then have 60 days to appeal the claim.