Can they drop your medical benefits after handing in letter of resignation?

[irish123]

I handed in my letter of resignation 3wks ago. I have 1 more week to go. I noticed on my check on Friday that they didn't take out any money for my medical benefits. Unable to speak to anyone in HR due to the holiday. Is this legal? I was told that I would be covered until the end of Jan. Then I could get COBRA. I hope they don't think that I am going to pay for Cobra for the month of Jan. I have a medical appt on Jan 13th ,.so I still need these benefits. I just have this feeling that they are going to try and screw me. HR and my supv are shady. Can anyone please give any advice as what should I do? Thank You.

[BluegrassRN]

Just a guess, but if you aren't employed there, you aren't probably going to be covered by medical benefits. They probably prorated your January benefits to cover you until your last day of work.

Definitely talk to HR.

[RB2000]

As far as I know you are covered for the last month that you work. So, if your last day is the 1st you are still covered until the 31st. However, if your last day is the 30th you are still covered until the 31st. At that point you will be eligible for COBRA. That is how it worked for me back in September. I was concerned as well, because I have a 2yr old son. I am sure you will be fine. I hope this helps! : )

[Halinja, BSN, RN]

Um...just a thought. Was it a three check month? Last month was, for us. In that case they do not take out benefit payments on the third check.

[hope3456, ASN, RN]

I recently quit a job - I was covered until the end of the month and then COBRA kicked in which I pay $382/month for. If they did 'drop' your bennies you can file a complaint w/ your state's insurance commission.

[tvccrn, ASN, RN]

Maybe the premiums from that check would be the ones for February. If so, then they wouldn't take them out of yours because you won' be there in February.

[rjflyn, ASN, RN]

Maybe the premiums from that check would be the ones for February. If so, then they wouldn't take them out of yours because you won' be there in February.

Generally most the time the deductions for example in January are paying for the benefits in Feb, Feb for March and so on. Dont be surprised if you actually get a refund back. Also dont have a heart attack when you see what COBRA is going to cost because its more than you can even guess.

[SuesquatchRN, BSN, RN]

They can't drop you and you have 30 days to decide whether to pick up COBRA. You will probably not be covered for January.

If you have any concerns at all about their dropping you the $100 or so it would cost to get an attorney for this would be well worth it. I had to do that a few years ago.

[doublezero]

They drop mine after two weeks , so before dropping that letter you got to have a job waiting for you already or you have a second job that will cover you.

[MERRYWIDOW46]

Some facilities have a policy that your last day of work is the last day of benefits, eg last day work the 10th no benefit coverage from 11th on. Other facilities cover you until the last day of the month which you terminate employment,eg last day Feb 2 coverage ends Feb 28.

Dec could have been a three pay month as someone else pointed out. Then benefits are only taken from the first 2 checks. Call payroll next week to find out. Also call HR to clarify when benefits actually terminate at your facility.

Good Luck.

[morte, LPN, LVN]

the key here is, that without a contract,....they.can.do.ANYTHING.they.want.

[Multicollinearity, BSN, RN]

This may vary by state. In my state, your last day of insurance coverage is your last day of work or date paid through by last pay check. Then COBRA is offered to you within 30 days. It's usually at the end of a month following your last date of employment. So coverage is not continuous - it's retroactive once you take COBRA and pay for it. This creates problems when you are needing to use your coverage and it shows terminated at your insurance company because you are in that one-two month window between termination and COBRA covering you retroactively.