Question about COBRA eligiblity

[Guest Trbase]

My questions concerns COBRA and AFLAC. My wife was recently laid off and we are now on COBRA insurance from her work. I have the oportunity to sign up for AFLAC with my company ( it is my own company and have 2 other employees, and we are in process of looking at AFLAC and currently do not offer any type of medical insurance ) I am worried that the AFLAC would be considered Group insurance and thus make us disqualified from taking COBRA. I know COBRA is negated if you become eligable to take a group plan elsewhere. I dont want to take the chance of losing the COBRA. I had read on this board the following link

http://benefitslink.com/boards/index.php?a...5610929e80e8d44

It sounds like it would be considered a group since I also am in TEXAS.

Please can someone give an acuurate determination or tell me how to find out.

Thanks,

This looks like a great board.....

[Guest SHaddon]

Whether or not the AFLAC policy is group coverage does not affect your eligibility for COBRA unless you actually enroll. If you enroll in the AFLAC plan and it is a group plan, you would no longer be eligible for COBRA. However, the availability of another group plan without enrollment doesn't change your eligibility for COBRA. Eligibility for another group plan will affect your eligibility for the subsidy if you are currently receiving it.

[oriecat]

I think it will depend upon what exact options are available under the AFLAC also.