Sklover Working Wisdom

JULY 19, 2016

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.”

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Workology

NOVEMBER 7, 2011

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.

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Sklover Working Wisdom

APRIL 20, 2011

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?

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Sklover Working Wisdom

JUNE 9, 2010

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?” Published on June 10th, 2010 by Alan Sklover Question: Regarding COBRA, to be eligible, is there a minimum time period you need to be covered under an employer’s health insurance plan to be eligible for COBRA? FMLA, COBRA and Pregnancy N.

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COBRA 2010 Houston Employers 100

Sklover Working Wisdom

FEBRUARY 2, 2021

Addiction, Law and Work Disability Disability and Pregnancy FMLA FMLA, COBRA and Pregnancy Hostility/Bullying in General Involuntary Resignation Monthly Newsletter Library Parenting and Working The Bully Boss and Hostility When is Involuntary Resignation appropriate? Covid Stresses make “Doctor’s Notes” of Even Greater Need. The life so short, the craft so long to learn.”. – Hippocrates. If you can’t see the photo above, please [ Click Here ].

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2021 COBRA Health Care Certification 100

Sklover Working Wisdom

OCTOBER 13, 2015

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.

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Discrimination 2015 Federal COBRA 109

Sklover Working Wisdom

OCTOBER 25, 2016

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.

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2016 COBRA New York Federal 100

Sklover Working Wisdom

DECEMBER 4, 2014

FMLA FMLA, COBRA and Pregnancy How and When to Resign Losing Q & A Resigning from Your Job Stock, Stock Options, "Equity Question: I am currently out on Family Medical Leave Act (“FMLA”) to help my mother who is sick. I do not want to return to work after my leave time is over. However, I have a significant amount of stock that vests on December 31st and I don’t want to sacrifice this significant payout. At the same time, I don’t want to burn any bridges.

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Sklover Working Wisdom

OCTOBER 14, 2014

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.

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2014 Rhode Island COBRA Airlines 109

Sklover Working Wisdom

AUGUST 2, 2016

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.

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2016 COBRA Workplace Federal 100

Sklover Working Wisdom

APRIL 5, 2016

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.

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2016 COBRA New York Payroll 100

Workology

NOVEMBER 17, 2010

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

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Insurance 2010 COBRA Benefits 93

Sklover Working Wisdom

MARCH 1, 2016

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.

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2016 COBRA Equity Health Care 100

Sklover Working Wisdom

DECEMBER 9, 2015

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.

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2015 COBRA Workers Compensation Health Care 100

Sklover Working Wisdom

DECEMBER 27, 2013

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.

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Sklover Working Wisdom

FEBRUARY 17, 2014

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.

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2014 COBRA Workplace Rhode Island 109

Sklover Working Wisdom

FEBRUARY 17, 2014

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.

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2014 COBRA Rhode Island Workplace 100

Sklover Working Wisdom

JULY 5, 2011

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.

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2011 Nebraska COBRA Wage 109

Sklover Working Wisdom

DECEMBER 27, 2010

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.

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2010 Discrimination COBRA Federal 100

Evil HR Lady

MARCH 30, 2021

One other less known thing about being fired: employers are now required, starting April 1, to pick up your COBRA costs so make sure you elect COBRA when you get the paperwork.

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2021 COBRA Florida Salary 282

Ask a Manager

APRIL 1, 2021

Some background: Typically when you lose your job, you’re eligible to continue on your employer’s health care plan through a federal law called COBRA, as long as your employer had at least 20 full- or part-time employees during the previous year. This new law allows you to use COBRA coverage at no cost to you. You also must be within the 18-month COBRA eligibility period (meaning it’s been less than 18 months since you lost your job). *

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Jobacle

DECEMBER 1, 2020

Ask about continuing your health insurance benefits through COBRA and rolling over your 401(k) to your new employer. A job loss can be devastating, emotionally, and financially. It can be hard to get back out there on the job market, but you have to if you hope to find a new position.

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2020 New Job COBRA Cover Letter 245

Sklover Working Wisdom

FEBRUARY 28, 2014

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.

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2014 COBRA Workplace Workers Compensation 116

Evil HR Lady

SEPTEMBER 16, 2020

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.

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2020 COBRA Layoff Federal 252

Workology

DECEMBER 3, 2014

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

2014 COBRA ERISA Insurance 98

Sklover Working Wisdom

SEPTEMBER 25, 2018

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 —. According to published reports, Wells Fargo has recently suspended or terminated scores of its employees for errors and mistakes in expense reimbursement reports – believe it or not – in some cases for ordering in meals an hour before they were permitted to do so.

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2018 COBRA Equity Layoff 100

Sklover Working Wisdom

SEPTEMBER 25, 2018

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 —. According to published reports, Wells Fargo has recently suspended or terminated scores of its employees for errors and mistakes in expense reimbursement reports – believe it or not – in some cases for ordering in meals an hour before they were permitted to do so.

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2018 COBRA Equity Layoff 100

Cube Rules

MARCH 6, 2013

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.

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2013 Salary Banking COBRA 160

Jobacle

NOVEMBER 3, 2019

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.

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2019 COBRA Insurance Quitting 125

Careers Done Write

SEPTEMBER 28, 2012

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.

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Insurance 2012 COBRA Wage 155

Sklover Working Wisdom

SEPTEMBER 14, 2010

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?” FMLA, COBRA and Pregnancy N. Published on September 15th, 2010 by Alan L Sklover Question: I was recently forced to leave my job, and I applied for unemployment benefits.

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2010 Benefits COBRA New York 109

Professional Resume Services

JULY 10, 2012

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.

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2012 United States COBRA Career 109

Career Solvers

OCTOBER 18, 2011

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.

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2011 ERISA Resume Pharmaceuticals 70

Sklover Working Wisdom

JANUARY 25, 2011

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.

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2011 COBRA Maryland Interviewing 109

Career Alley

DECEMBER 26, 2011

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.

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Workology

JUNE 28, 2013

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.

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2013 Federal COBRA Benefits 98

Workology

APRIL 28, 2013

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.

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Workology

JULY 7, 2014

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.

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2014 COBRA Benefits New Job 106

Workology

OCTOBER 9, 2014

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?

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2014 Insurance COBRA Compliance 100

Career Realism

APRIL 22, 2013

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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COBRA Layoff 2013 Insurance 62

Evil HR Lady

JANUARY 6, 2009

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

2009 COBRA Union Insurance 100

Evil HR Lady

JANUARY 6, 2009

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.

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2009 COBRA Union Insurance 100

Evil HR Lady

FEBRUARY 4, 2016

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.

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2016 COBRA Union Insurance 109