RE: question about contracting w/o agencies

["Kevin Christy" <kevinchristy -at- socal -dot- rr -dot- com>]

David said:

>>Maybe they've changed the rules, but I don't think COBRA is available to
people who quit or are fired "with cause"--only for those who are laid off
or "RIF-ed."<<

COBRA is available if you quit, but not in a just-cause firing.

>>There are several levels or types of COBRA coverage.  Some don't include
an admin fee at all, but I know of one where the admin fee is an additional
$300/month--jacking up the monthly premium from about $800 to about $1100!<<

According to federal law, the COBRA admin fee cannot exceed 2% of the
premium. I suspect there is another story there... or a nice lawsuit.

Also, if you and your family are healthy, you may get a better deal by
shopping for a personal plan. After 18 months of COBRA, you will have to
anyway.

Just a couple of nuggets I picked up after seven years in employee benefits.
Peace!

Kevin


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