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Can your insurance be cancelled

cyawn123
Posts: 1
Joined: Sep 2010

In Louisiana, can your employer cancel your group insurance when you become unable to work due to terminal Bone Cancer?

rocket baby's picture
rocket baby
Posts: 22
Joined: Sep 2010

Your employer can cancel your insurance if your are no longer able to work and your employment has been terminated. You will be able to elect health insurance coverage through Cobra which is the Consolidated Omnibus Budget Reconciliation Act (COBRA) which gives workers and their families who lose their health benefits the right to continue coverage through your employer for up to 18 months. The coverage is very expensive because you are paying 102% of your premium...2% is administrative fees. If you allow your coverage to lapse (more than 60 days) any "new" insurance company may consider your cancer as a pre-existing condition and therefore it would not be covered. You might check with your hospital or cancer treatment facility because sometimes they offer assistance to people to help with medical bills.

I hope that I helped to answer your question. I am a licensed insurance professional for life and health insurance products. My husband is currently battling the "monster" with stage 3 lung cancer and is having a CT scan to check for bone tumors on the spine and hip in the next couple of days. Stay well!

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