Mar 7, 2005
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.
| Response from Ms. Franzoi
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.
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 TheBody.com nor any advertiser is the publisher or speaker of posted visitors' questions or the experts' material.