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People might be unable to leave because they need their current employer's health insurance, but not leaving because of losing disability? That's a new one.
by danielweber 13y ago
People might be unable to leave because they need their current employer's health insurance, but not leaving because of losing disability? That's a new one.
- enraged_camel 13y agoI didn't say that. Reading comprehension is your friend.
- bcoates 13y agoCOBRA should fix the former, but it doesn't appear to cover the latter.
- tomjen3 13y agoPotentially stupid question, but wouldn't they be covered under their new employers insurance?
- Swannie 13y agoNot a stupid question. I am covered, during my time I am diagnosed with cancer. I get treatment, and am declared "free" of cancer. I remain that way for 5 years, and claim no more benefits. I am still covered. I leave, and join a new company. To enter their health insurance, I have to declare any "pre-existing" conditions. They see that I am in remission from cancer, and offer my employer two choices: pay hugely inflated premiums, or get no cover. My new employer never expected to need to cover premiums 20 times that of their existing employees, and consequently I am now screwed.
- toast0 13y agoMany times there is an exception for pre-existing conditions if you had continuous credible coverage.
- danielweber 13y agoThe "P" in HIPAA stands for "Portability." Group plans are limited in how long they can exclude someone for pre-existing conditions, and guarantees no waiting period if they already had qualifying insurance. The private market doesn't have the same protections, for reasons both good and bad.