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Medical Forum / Diseases and Disorders / Breast Cancer / June 2004question: Insurance coverage in US after layoff
Well, I was laid off after 19 years with the same company. I'm 2 1/2 years post bc. I can afford cobra for awhile but it's going to be really tough in a few months if I don't have a job by then. (I'm in the high tech field in a low tech location). I'm trying to stay positive and hope that I can get covered by group insurance before it's too late. Any advice from anyone who has been through a similar situation? Any thing I should know? Catherine Worthington Can empathize Catherine. Have a BC survivor friend who, like you, carried cobra for a while <until it ran out, I guess>. She ended up seeking and focusing on work w/companies that carry group insurance. This was the only way she was able to be covered, and/or to afford it. Good luck. HTH Adrienne cobra, you can't afford to be one day late since they can cancel your insurance no questions asked. I lost my job one year after diagnose but found a job in 6 weeks. It you can't afford a high tech job, you may want to consider taking a part time job that offers health insurance, what you don't want is a break in coverage. Some states offer insurance while you are collecting unemployment. Some temp job offer beneifts. You will get through this... Alex > Well, I was laid off after 19 years with the same company. I'm 2 1/2 years > post bc. I can afford cobra for awhile but it's going to be really tough in [quoted text clipped - 4 lines] > > Catherine Worthington << Any thing I should know? >><BR><BR> Gosh Catnerine, so sorry to hear about the lay-off. One thing, though, I believe that you do not have to reveal any info re your personal health or family to any future employer unless you have restrictions that would affect the position you are interviewing for. That is the case in California although am not sure whether that is true for all of the U.S; You might want to check with a state legal org for advice on that one. Take care and wishing you all the best. How is your daughter? If you'd prefer--you can email. Take care and (((Hugs))) It is tough being laid off but I've survived worse. <g> I just won't know which to choose. Cobra or the house payment. I can't afford both forever. Hopefully, a wonderful new job is just around the corner. If not, then a job that lets me pay the bills (and provides group coverage) will do. Sarah is doing great. She has matured and that has helped a lot. She still struggles with 'issues' but has come a long way! She has friends for the first time and will start high school this year. I don't want to move to find a job, for that very reason. But if I can't pay for the roof over her head, I guess the friends and the school won't matter. I pop in the group once in awhile and read your posts. I've got my fingers crossed for you! Catherine > << Any thing I should know? >><BR><BR> > [quoted text clipped - 6 lines] > the best. How is your daughter? If you'd prefer--you can email. Take care > and (((Hugs))) > It is tough being laid off but I've survived worse. <g> I just won't know > which to choose. Cobra or the house payment. I can't afford both forever. Some mortgage lenders are willing to negotiate temporary terms (such as reduced payment, or interest-only payments) during periods of financial stress that look to be temporary. It costs them a lot to foreclose, so they'll tend to want to avoid it. If you're seriously going to need to consider these questions, it may be better to be up-front about it with them, rather than wait for a missed mortgage payment . . . . I'm sorry to hear you're going through this stressful set of circumstances! I hope you'll find a new job more easily than you may be expecting! Ann T. Remove 'dontsendspam' from address to reply by email Catherine: Have you considered going to work for a temp service or a contract employment service? Jobs for temps run the gamut from unskilled to highly degreed. You can find a job as an executive or a file clerk. Most reputable temporary services offer benefits. In any event, you would be earning some $$$ to supplement unemployment. There's usually a limit to how much more you can earn a week. Also, it's important to note that unemployment benefits are subject to Federal Withholding. Temporary work is a great way to find out what companies are out there. Lots of times, it leads to a permanent position. Sassy http://www.healthinsuranceinfo.net Has information per state regarding coverage issues, Alex |
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