The Body: The Complete HIV/AIDS Resource
Follow Us Follow Us on Facebook Follow Us on Twitter Download Our App 
Professionals >> Visit The Body PROThe Body en Espanol
For World AIDS Day, read about stigma, criminalization and more >>
Ask the Experts About

Workplace and Insurance IssuesWorkplace and Insurance Issues
Rollover images to visit our other forums!
Recent AnswersAsk a Question
  • Email Email
  • Glossary Glossary

what should I do now

Jan 23, 2004

Hello, I am on Ca. State disability and was just approved for Social security disability. I am on Cobra health plan from my work and it should run out in about a year. Is there any info you can give me or advise to give me as thing I need to do now as far as benifits, insurance, etc?

Response from Ms. Franzoi

If the date as of which the Social Security Administration determined that you were disabled was within the first 60 days of the effective date of your COBRA coverage, you would be eligible for an 11-month extension on your COBRA. The COBRA premium for this extension will be 150% instead of 102% of the actual premium. If you weren't determined to be disabled within 60 days, any insurer that offers individual medical policies must offer you coverage under a HIPAA policy as long as you don't go more than 63 days without coverage. Since you are in California, you could contact Blue Cross, PacifiCare or Kaiser re their HIPAA policies. Remember that in order to be eligible for a HIPAA policy, you cannot have a lapse in medical coverage greater than 63 days. Medicare will be available to you once you have been entitled to Social Security disability benefits for 24 months.

just tested pos and scarred
Soc Security Disabilty

  • Email Email
  • Glossary Glossary

 Get Email Notifications When This Forum Updates or Subscribe With RSS



This forum is designed for educational purposes only, and experts are not rendering medical, mental health, legal or other professional advice or services. If you have or suspect you may have a medical, mental health, legal or other problem that requires advice, consult your own caregiver, attorney or other qualified professional.

Experts appearing on this page are independent and are solely responsible for editing and fact-checking their material. Neither nor any advertiser is the publisher or speaker of posted visitors' questions or the experts' material.

Review our complete terms of use and copyright notice.

Powered by ExpertViewpoint