Jump to content

Google denies they are covered by Cal-COBRA


Guest SailorFred
 Share

Recommended Posts

Guest SailorFred

Google's HR department is telling me they think that because they are covered by Federal law, they don't need to comply with Cal-COBRA to extend my coverage after the 18 month Federal COBRA is exhausted.

I don't see what the point of the Cal-COBRA legislation would be if companies are not covered by it.

Any advice on what tack to take with them?

Thanks,

Fred

Link to comment
Share on other sites

Employers are not covered by Cal-COBRA and they do not extend the coverage. The law applies to insurance companies offering the plans. The participant contracts directly with the insurance company and pays the premium directly to the insurance company. The former employer is not involved unless the contract to provide group benefits from that carrier is canceled. Then the company has to provide the participant with information on any other insured plan they sponsor in the state and the participant can then contract with that carrier.

Self-insured medical plans and stand alone dental plans are not subject to Cal-COBRA either.

Link to comment
Share on other sites

Employers are not covered by Cal-COBRA and they do not extend the coverage. The law applies to insurance companies offering the plans. The participant contracts directly with the insurance company and pays the premium directly to the insurance company. The former employer is not involved unless the contract to provide group benefits from that carrier is canceled. Then the company has to provide the participant with information on any other insured plan they sponsor in the state and the participant can then contract with that carrier.

Self-insured medical plans and stand alone dental plans are not subject to Cal-COBRA either.

This is not exactly true. The law does apply to employers. The employer is responsible for administering the cal-cobra premiums, or must find an administrator. Payment from the cal-cobra participant is paid to the administrator and then to the carrier.

Link to comment
Share on other sites

Cal-Cobra applies to all groups that are not subject to the Fed Cobra laws, meaning groups under 20 employees. Since Google has well over 20, and probably self-funded, they are not subject to the law. You are not eligible.

This is not what the website Janet linked to says. It says Cal-COBRA gives an additional 18 months after the federal COBRA, even for those coming from a large employer.

Link to comment
Share on other sites

SailorFred

From what I read on the State website, it was not clear whether or not employers with self-funded plans are covered, but it made it seem possible. It could be that since most self-funded plans are not truly or fully self-funded but are in reality partially self-funded with stop-loss insurance coverage, there could be regulatory authority as a result of the insurance (stop-loss) component. But this is best explained by the State.

It seems that you need to call the State to find out if Google is covered under CalCOBRA and why.

If they are covered then you need convey that to Google and then file a cmplaint with the State if coverage is not given.

Make sure you have everything in writing, in case you do have to file.

George D. Burns

Cost Reduction Strategies

Burns and Associates, Inc

www.costreductionstrategies.com(under construction)

www.employeebenefitsstrategies.com(under construction)

Link to comment
Share on other sites

Cal-Cobra applies to all groups that are not subject to the Fed Cobra laws, meaning groups under 20 employees. Since Google has well over 20, and probably self-funded, they are not subject to the law. You are not eligible.

This is not what the website Janet linked to says. It says Cal-COBRA gives an additional 18 months after the federal COBRA, even for those coming from a large employer.

Oops, I stand corrected. You are correct Oriecat, I forgot about the ability for some employees to purchase cal-cobra on their own.

Link to comment
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
 Share

×
×
  • Create New...