His company just dropped him from their insurance coverage, and never told him. They never sent him a letter regarding COBRA coverage. Is this legal? BTW, we live in FL. We just got a letter from his health insurance company today stating he is not longer covered. My husband is out of work on Worker's comp. Please help.
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First of all, is your husband's company obligated to provide COBRA? As others have mentioned, not all employers fall under COBRA requirements. If your husband's company is required to offer COBRA, frankly I'd be quite surprised if a notice wasn't sent to you. Your husband should be able to confirm with the human resources person at his former employer to confirm whether or not he's COBRA eligible. As far as getting dropped from the insurance...have you guys been paying the premiums? The employer isn't obligated to pay the premiums on your family's behalf if your husband isn't actively working. If you haven't been paying premiums, then that would explain the cancellation. If you find out that your husband should have been eligible for COBRA or if you were paying insurance premiums out of your pocket but got canceled anyhow, I'd contact an attorney.
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