I had to take an early medical retirement (I am 42 years old) in 9/2004. This was not due to HIV, although I am HIV + and on extensive therapy. My employer was more than generous and, as part of my package, is paying my COBRA for the next 18 months.

I am considering either starting my own consulting business or returning to school to advance my degree. My partner is employed (California based) with a company that has full partner benefits and I will be able to start his plan at the time my COBRA expires next year.

I realize that there are many limitations on partner benefits (no COBRA, immediate termination if employee leaves/is terminated) and I do not want to place myself in a position to be without coverage or him to be mentally stressed over my relying on him for long term coverage. It would be a good short term option if needed.

I wanted to ask your opinion on my situation and see if (1) there are ANY private policies that can be obtained for HIV+ individuals, (2) Should I seek part time employement prior to expiration of my COBRA for benefits so I can continue school or my business, (3) should I really plan to re-enter the job market (when I am well enough) for full time employment.

I feel blessed that I do have many options - I would just like an expert opinion on the most positive alternative for my continued care.

Thank you in advance for your answer.

First, some companies do offer COBRA-like benefits to domestic partners if the employee elects COBRA coverage. So you should check your partner's plan to determine whether or not this is available. Cetainly part-time employment with benefits or full-time employement, if you are able to return to work full-time, would be the best option. In addition, if you were to lose coverage, as long as you don't have a 63-day break in coverage, you would be eligible for a HIPAA policy.