Cobra Conversion and medicare

[Guest redangel54]

When I divorced I was granted 36 months of Cobra through my ex husbands employer, the State of Florida. I was then, and still am, disabled and on Social Security disabillity and therefore receive medicare A and B( under age 65). When I inquired into a conversion policy I was told I was not eligible because of medicare. They claim it is because it would duplicate benefits.

But actually it doesn't since I will no longer have the drug benefits

I desperately need. Shouldn't I be entitled to some policy? The alternatives in Florida leave a lot to be desire.

Thanks for this great resource!

[Jbentz]

I know nothing of Florida state laws, but do you have a copy of the SPD or plan document? It should address their conversion provisions. If you are still unsure, ask them to give you the exact wording from the plan document or from their policies where the conversion would be excluded. If they quote mumbo-jumbo to you, send a letter and ask for written documentation. Send a copy to your Department of Insurance. (Make sure you note on their copy that it is being sent to them.) Those letters usually have a time constraint on when they have to respond and it will get their attention.