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In Indiana, COBRA continuation coverage typically lasts for 18 months after the qualifying event. This time frame may vary based on specific circumstances that led to your coverage termination. Always consult your Indiana Notice from Employer to Employee Regarding Early Termination of Continuation Coverage for precise duration information applicable to your situation.
There are several other scenarios that may explain why you received a COBRA continuation notice even if you've been in your current position for a long time: You may be enrolled in a new plan annually and, therefore, receive a notice each year. Your employer may have just begun offering a health insurance plan.
Initial COBRA notices must generally be provided within 14 days of the employer notifying the third-party administrator (TPA) of a qualifying event.
These state laws are the mini-COBRA laws. According to the National Conference of State Legislatures, 40 states and the District of Columbia have some sort of mini-COBRA law. (Alabama, Alaska, Arizona, Delaware, Idaho, Indiana, Michigan, Montana, Pennsylvania and Washington had no such laws as of May 2009.)
In addition, employers can provide COBRA notices electronically (via email, text message, or through a website) during the Outbreak Period, if they reasonably believe that plan participants and beneficiaries have access to these electronic mediums.
Meet the Deadlines You should get a notice in the mail about your COBRA and Cal-COBRA rights. You have 60 days after being notified to sign up. If you are eligible for Federal COBRA and did not get a notice, contact your employer. If you are eligible for Cal-COBRA and did not get a notice, contact your health plan.
In Indiana, employees generally serve at will. This means that you can be fired for almost any reason, or for no reason at all. You can also quit for any reason, or for no reason at all. Can my employer fire me because of my race?
Federally, and in most states, a termination letter is not legally required. In some states, currently including Arizona, California, Illinois and New Jersey, written termination notices are required by law. Some of these states have specific templates employers must use for the letter.
Indiana law requires a written reason be given for any termination. Moreover, the exit interview can be eased substantially by the use of a termination letter. The letter can set out a general reason for the action, and handle the details of the termination with an increased degree of professionalism.
COBRA Notice of Early Termination of Continuation Coverage Continuation coverage must generally be made available for a maximum period (18, 29, or 36 months).