Q: Work said they are cutting my personal health insurance once I have been off on WC for 3 months. Can they do that?
Hello. I hurt my foot at work. I was originally told by there doctor that is was a sprain or strain. I went 3 weeks before they sent me to an orthopedic Dr that immediately knew the issue(Os Peroneum). They treated me and I am almost feeling 100%. However, work called me a few days ago and said that they don't cover the cost of our personal medical insurance after an Employee has been off for more than 3 months. The difference in time between the end of the 3 months and my next Dr visit, where I imagine I will be cleared for full duty, is 9 days. Can they cut my insurance for that time and what if something happens to me during that time? Thank you for your time.
A: Yes, you then have a right to "buy in" under COBRA. However, if its a sucky plan, you would perhaps want to sign up for an ACA plan. Talk to the attorney who is advising you on comp.
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