“Subsidized COBRA in Severance – What’s that?”

Sklover Working Wisdom

I signed up for COBRA healthcare continuation for my family. Concerned that there was a mistake, I called Human Resources, and was told that it was not the usual COBRA benefits, but “Subsidized” COBRA benefits. The Federal “COBRA” law gives almost all laid off employees a right to remain on their employer’s health plan for up to 18 months. is entitled to remain on their employer’s healthcare insurance plan under a federal law nicknamed “COBRA.”

COBRA 130

Life After COBRA

Workology

Our family took advantage of COBRA known as the Consolidated Omnibus Reconciliation Act. Under COBRA , our family had to pay 102% of the total cost of health insurance which includes the expense our family was responsible for as an employee plus what the company covers plus a two percent administrative fee. In my experience, employees and former employees are often surprised at how expensive benefits under COBRA actually can be.

COBRA 93

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COBRA: The 21 Most Frequently Asked Questions

Sklover Working Wisdom

ACTUAL CASE HISTORIES*: We are frequently asked questions about COBRA, the federal workplace law that is probably utilized by more employees than any other. To assist people in this regard, we’ve put together a list of the 21 Most Frequently Asked Questions about COBRA, along with their answers. Here’s a summary of the COBRA basics you ought to know. Some of your rights may surprise you: Question 1: What is COBRA continuation health coverage?

COBRA 135

“To be eligible for COBRA coverage, must I be on my employer's.

Sklover Working Wisdom

Blog » “To be eligible for COBRA coverage, must I be on my employer’s medical plan for any certain period of time?” “To To be eligible for COBRA coverage, must I be on my employer’s medical plan for any certain period of time?” FMLA, COBRA and Pregnancy N.

COBRA 130

“Pregnancy: Rights under Disability, FMLA and Discrimination laws.”

Sklover Working Wisdom

Disability and Pregnancy Discrimination, Harassment & Hostility FMLA FMLA, COBRA and Pregnancy Other Discrimination Pregnancy Q & AQuestion: I am pregnant and my doctor wants me to work just 25 hours a week, but my employer told me that they need someone who can work 40 hours a week. So, they gave me separation papers to sign. Is that legal? Do they have to hire me back after I have my baby? Larisa. Palmyra, Maine.

FMLA – “Parent” Definition is Flexible – “Parents” include People Who Cared for You

Sklover Working Wisdom

FMLA FMLA, COBRA and Pregnancy Monthly Newsletter Library Parenting and Working“My grandmother started walking five miles a day when she was sixty. She’s ninety-seven now, and we don’t know where the heck she is.”. – Ellen DeGeneres. ACTUAL CASE HISTORY : Just recently, in the course of representing a client, I carefully reviewed the Family and Medical Leave Act (“FMLA”) law and its regulations.

2016 100

“How do I resign while on FMLA leave (especially with a bully boss)?”

Sklover Working Wisdom

You can use COBRA coverage from your “old” job for a short period to help you do this, if COBRA coverage is available to you. FMLA FMLA, COBRA and Pregnancy Involuntary Resignation Q & A The Bully Boss The Bully Boss and HostilityQuestion : Dear Alan: What is the appropriate procedure/consequences of resigning while on leave under the Family Medical Leave Act (“FMLA”)? Background: six years, incredible performance.

2011 142

“I am working way too many hours!! Any ideas??”

Sklover Working Wisdom

Benefits, Pensions and Perq''s FMLA FMLA, COBRA and Pregnancy Miscellaneous Perq''s Q & A Question: Dear Alan: I have been working for my company for three years and over that time my weekly hours have gone from 40 sometimes up to 75. Without a doubt it is now beginning to negatively affecting me, my health, my family and my sanity. Do you have any ideas? Overworked. Cranston, Rhode Island.

2014 109

Is Drug Addiction a Legally Recognized Disability? Understanding Addiction, the Law and the Workplace

Sklover Working Wisdom

Addiction, Law and Work Disability Disability and Pregnancy FMLA FMLA, COBRA and Pregnancy Misconduct and Bad Behavior Monthly Newsletter Library Yours (or Allegedly Yours “ Sometimes you can only find Heaven by slowly backing away from Hell.”. – Carrie Fisher. ACTUAL CASE HISTORY : I can recall many case histories of clients, and their family members, who have dealt with the reality of addiction to substances, both legal and illegal.

2016 100

“Problem Not Yet Solved; What’s My Next Step?” Your Five Alternative Next Steps

Sklover Working Wisdom

After Negotiating FMLA FMLA, COBRA and Pregnancy Involuntary Resignation Monthly Newsletter Library Negotiation Pointers Performance Improvement Plans Process Insights Severance Packages Termination, Interviews and Future Employment When is Involuntary Resignation appropriate “One of the secrets of life. is to make stepping stones out of stumbling blocks.”. – Jack Penn.

2016 100

FMLA – Great Tool to E-x-t-e-n-d Employment

Sklover Working Wisdom

Basics Before Negotiating Before Resigning FMLA FMLA, COBRA and Pregnancy Monthly Newsletter Library Resigning from Your Job Severance Packages Stock, Stock Options, "Equity “ The cure for anger is delay.”. – Seneca. THREE BRIEF ACTUAL CASE HISTORIES : (1) Aquilino was a well known agricultural economist employed by an industry trade organization in Washington, D.C.

2016 100

Insurance Hopping is the New Black

Workology

Tags: Bloggging HR benefit reform benefits COBRA employee turnover healthcare benefits healthcare reform human resources insurance insurance hopping SHRM

Self-Help Action Plan 1: “Totally Frazzled from Work? Here’s What You Can Do”

Sklover Working Wisdom

Before Negotiating Disability Disability and Pregnancy FMLA FMLA, COBRA and Pregnancy Involuntary Resignation Severance Packages The Bully Boss The Bully Boss and Hostility When is Involuntary Resignation appropriate SkloverWorkingWisdom™ – Self-Help Action Plan 1. Totally Frazzled from Work? Here’s What You Can Do”. A Plan for Addressing Extreme Exhaustion and Possible Need for Time Off. 2015 Alan L. Sklover.

2015 100

“Due to anxiety attacks, I am on FMLA leave; will I be fired when I return?”

Sklover Working Wisdom

Before Resigning FMLA FMLA, COBRA and Pregnancy Involuntary Resignation Q & A Resigning from Your Job What is Involuntary Resignation Question: Two weeks ago, I had an anxiety attack at work – my third one. I thought I would be written up and terminated, but instead Corporate Human Resources told me I was qualified for Family Medical Leave Act, or FMLA. So I am out on FMLA leave. . I feel that, when I go back, I will be terminated.

2013 116

“Not Feeling Well Enough to Work? – 13 Workplace Options (Part 1 of 2)”

Sklover Working Wisdom

Disability Disability and Pregnancy FMLA FMLA, COBRA and Pregnancy Miscellaneous Perq''s Monthly Newsletter Library “Be careful about reading health books. You may die of a misprint.”. - Mark Twain. ACTUAL “CASE HISTORIES ”: Jana, 34, was an experienced graphic artist employed by a large website development company. For five years, she was a star performer, and over time rose to a Senior Graphic Artist position.

2014 109

“Not Feeling Well Enough to Work? – 13 Workplace Options (Part 1 of 2)”

Sklover Working Wisdom

Disability Disability and Pregnancy FMLA FMLA, COBRA and Pregnancy Miscellaneous Perq''s Monthly Newsletter Library “Be careful about reading health books. You may die of a misprint.” ” - Mark Twain. ACTUAL “CASE HISTORIES ”: Jana, 34, was an experienced graphic artist employed by a large website development company. For five years, she was a star performer, and over time rose to a Senior Graphic Artist position.

2014 100

“If I work during FMLA leave, without prior approval, do I get paid?”

Sklover Working Wisdom

Avoiding Disputes Disputes and Resolving Them FMLA FMLA, COBRA and Pregnancy Q & AQuestion : Alan, I have not been classified as a “key employee” by my employer, but while on FMLA leave of absence for Maternity Leave I worked over 200 hours. I did so because the nature of my job requires timely reporting and other duties that I simply had to do in order for the company to not take a hit.

2011 109

“Does this sound like a legal case of ‘perceived disability’ discrimination?”

Sklover Working Wisdom

COBRA and FMLA Discrimination, Harassment & Hostility Q & AQuestion: Dear Alan, First, let me say how much I enjoy your site. I’ve learned a LOT but still wonder about my particular case. As you’ve mentioned, it’s better to ask and be certain than wonder for a lifetime. I’ve been working for a non-profit organization for about eight months, and was recently transferred to a new boss.

2010 100

If I Refuse a 20 Percent Pay Cut, Is it a Resignation or Termination?

Evil HR Lady

But, keep in mind that the federal subsidy is gone and so your unemployment check will be less than your current salary minus 20 percent, plus you’ll have to pay for COBRA. I would appreciate some advice for my particular case.

2020 255

“Not Feeling Well Enough to Work? – 13 Workplace Options (Part 2 of 2)”

Sklover Working Wisdom

Before Negotiating Benefits, Pensions and Perq''s Disability Disability and Pregnancy FMLA FMLA, COBRA and Pregnancy Miscellaneous Perq''s Monthly Newsletter Library Severance Packages “Be careful about reading health books. You may die of a misprint.”. - Mark Twain . ACTUAL “CASE HISTORIES ”: Jana, 34, was an experienced graphic artist employed by a large website development company.

2014 116

Five End-Of-Year Hacks for Small Business HR

Workology

Perform a COBRA audit. Do you know if you offer state COBRA? Have you hit the ceiling to switch to Federal COBRA? Is your Federal COBRA properly administered? You’ve likely noticed Starbucks already rolled out the red cups , and are about to usher the PSL (pumpkin spice latte, for those not in the cult) back into seasonal retirement. This can only mean one thing: the holidays are upon us, and the calendar year is coming to a close.

2014 98

Expense Reports Are Ending Careers Like Never Before

Sklover Working Wisdom

And, I am acutely aware that fired employees must forfeit unvested equity, are not entitled to COBRA insurance benefits, and do not get offered severance. — Danger Ahead: Expense Reports Are Ending Careers Like Never Before —.

2018 130

Expense Reports Are Ending Careers Like Never Before

Sklover Working Wisdom

And, I am acutely aware that fired employees must forfeit unvested equity, are not entitled to COBRA insurance benefits, and do not get offered severance. — Danger Ahead: Expense Reports Are Ending Careers Like Never Before —.

2018 130

“For my appeal of a denial of unemployment benefits, should I.

Sklover Working Wisdom

Blog » “For my appeal of a denial of unemployment benefits, should I point out that I am receiving COBRA subsidy, which makes no sense?” “For For my appeal of a denial of unemployment benefits, should I point out that I am receiving COBRA subsidy, which makes no sense?”

2010 141

For job security, save one month’s salary

Cube Rules

Figure out your take home pay, add in a good chunk more for a COBRA payment to maintain health care and then figure out how much to save monthly between now and the end of the year to get one month’s take-home pay in the bank. You know what the best defense is for the risk of getting laid off? One year’s take home pay in the bank. You’ll never remove the risk of a layoff. Job security is a myth.

2013 160

Is it a mistake to leave a consulting job for a job just to get health insurance?

Careers Done Write

My husband was laid off and we will be without health insurance when our COBRA coverage expires in 3 months. Dear Deb: I work as a consultant, mostly for non-profits. If I take work as a barista at a coffee shop, they will provide full health benefits. This is a $25,600 annual benefit to my family of 5. The wages for my 30 hours are 1/2 of what I made in non-profit consulting for the 20 hours/week.

Moving On: Last Day of Work Checklist

Jobacle

The two most important components of your last at work paperwork comprise COBRA insurance coverage and employee matched 401K retirement plan. The big day has finally arrived and what once felt like a good thing has turned into somewhat of a bittersweet departure. After all, you’ve forged several close personal and professional relationships that should last a lifetime.

2019 125

Government Career Resources

Professional Resume Services

Among the Department of Labor’s top 20 requests are information on COBRA health insurance continuation coverage, the Family Medical Leave Act benefits, United States employment statistics, health plans, minimum wage and unemployment insurance. The United States government provides a plethora of career information from the Department of Labor and the Bureau of Labor statistics.

2012 109

What are Resume Keywords?

Career Solvers

COBRA Administration. We’ve all searched for something online by typing in a word or phrase that closely resembles the type of information we are looking for. We find information and make decisions about products and services via these types of searches. Employers use a similar method to find the applicants that best match their open positions. Many companies rely on applicant tracking software to source candidates.

2011 70

“How should I respond to a request for an Exit Interview?”

Sklover Working Wisdom

However, if you are hoping for such things as (i) cooperation with rollovers, (ii) cooperation with COBRA, (iii) cooperation with future employers getting confirmation of your employment, etc., Could be simple things, like an acknowledgment that you were given information about COBRA. Question: I was recently asked to attend an “Exit Interview.” What can you tell me about them, and how should I respond? Is there a requirement I attend? Susan. Jessup, Maryland.

2011 109

Losing Your Job and Weathering the Storm

Career Alley

What to Do If You Lose Your Job – If you are lucky, you will get a severance package and be eligible for medical coverage under COBRA. “ A man is but the product of his thoughts. What he thinks he becomes ” - Mahatma Gandhi. A friend of mine recently lost his job (his company shut down, no severance and no benefits) and, while he was “fine” financially while he was working, he is in financial distress now that he is out of work.

2011 238

Surviving and Thriving Through a Layoff

Executive Career Brand

Meg Guiseppi, C-level Executive Job Search Coach — Resume, Biography, Branding, Online Identity & ROI Value Communications Blog Home Intro Personal Branding 360 Reach Personal Brand Assessment Why hire a Reach Certified Personal Branding Strategist?

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HR Legal Update: #DOMA

Workology

COBRA will now be offered across the board to same-sex and hetrosexual couples. One of the most historical decisions made by #SCOTUS this past week was their ruling on #DOMA. When the Supreme Court ruled that the federal ban on same-sex marriage was unconstitutional my inner HR lady came out (after celebrations of course) and thought what impact does this have on the human resource world.

2013 98

5 Tips for Thriving in a Job Transition

Workology

If COBRA is too expensive, you can get short term medical insurance to cover you and your family if they need it. Job transitions , whether voluntary or involuntary, can add a lot of stress to your life if you aren’t prepared for what you’re going to face. You’ll be encountering a whole new set of people and responsibilities as you find a new job and transition into the position. Your goal should be not only to survive, but to thrive by implementing healthy habits.

2013 130

Termination: How to Gracefully Fire An Employee #hrbasics

Workology

Make sure you give the ex-employee information on COBRA and any other benefit information they may need. So Long, Farewell, Auf Wiesersehen, Good-Bye! No one wants to do it, but as sure as death and taxes, if you’re in HR, you will have to fire someone some day. You can call it anything you warn, whether it’s termination, firing, letting someone go, it still sucks.

2014 106

Being Laid Off? Know Your Rights As An Employee

Career Realism

A severance package is generally combined with other benefits like health insurance under COBRA. Health Insurance After being laid off, you may still be able to purchase COBRA extended health insurance benefits. COBRA is a Federal Act which makes it compulsory for employers with more than 20 employees to provide extended health insurance benefits in certain situations. During the recent financial crisis, many companies ran into difficult times.

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Are you over-clouded? #HRTechConf

Workology

Don’t know who to call with a COBRA compliance question. The cloud. Ten years ago that meant a nice day at the park, or an incoming storm. Now it’s… everything. Email. Shopping. Word processing. Even dating! HR has seen it’s own share of cloud-migrations: payroll, performance management, compensation analysis, and recruiting can now all live in the cloud, available 24/7 and often running with little to no real human interaction. But what about something like employee benefits?

2014 100

When Leaving Your Job, How to Take Your Colleagues With You

Sklover Working Wisdom

FMLA, COBRA and Pregnancy N.

2010 151

When HR Should Act To Save Money

Evil HR Lady

Except in extreme circumstances, employees can opt for COBRA to continue their health coverage. HR should say, "You realize that this termination is highly suspect and will not save the company any money due to COBRA anyway.". The employee is highly likely to opt for COBRA, therefore the savings you hope to achieve by termination will not happen. Phillis Dewitt was fired from her job as a nurse. The hospital maintains it was due to insubordination.

2009 100

When HR Should Act To Save Money

Evil HR Lady

Except in extreme circumstances, employees can opt for COBRA to continue their health coverage. HR should say, "You realize that this termination is highly suspect and will not save the company any money due to COBRA anyway.". The employee is highly likely to opt for COBRA, therefore the savings you hope to achieve by termination will not happen. Phillis Dewitt was fired from her job as a nurse. The hospital maintains it was due to insubordination.

2009 100

My Boss Asked Me to Resign

Evil HR Lady

Sure there’s COBRA, and sure, there are the exchanges, but do you really think you’ll be better off on those than on your employer-provided plan? I am a middle manager without a union who has been told that because of poor job performance, I would need to step down. My boss had offered me a lower level position that I do not wish to fill as I don’t want to work for them any longer. I asked my boss to dismiss/terminate me for poor performance.

2016 108

Creating a Company “Bible” Can Save Time and Attorney’s Fees

Workology

Benefit plan summaries, election and COBRA election paperwork; stock option, sales, bonus or incentive compensation plans. My husband was a story guy for the Star Trek family of TV shows at Paramount Studios. Each writer was given the “Star Trek Bible,” a compendium of frequently-asked-questions relating to the world of Star Trek from the dimensions of the U.S.S. Enterprise to how to work the holodeck to the functions of warp drive.

2013 106

Job Seeker: What Are You Complaining About?

Tim's Strategy

COBRA is gloriously expensive. Job seekers are a pretty quiet bunch. As a whole you don’t get too upset about anything. While stressed out due to the pain and potential peril of being in a tough spot, you are a pretty even keeled group. But why?

2011 101