I don’t get this. It was my understanding that Cobra enrollment form will be in the termination package I received on Tuesday. That was not the case and so I called 3rd party which told me that it will arrive in 7 to 10 business days. Now note that medical, dental, vision insurance expired on Niv 1and so temporarily I have no insurance starting on Wednesday. I am told that benefits will be retroactive to Nov 1 BUT when doctor tries to bill them we are out of coverage until proper paper work is done and benefits are reinstated.
There can be huge confusion if you need coverage in between the beuracacy.
Luckily there is way out of this unnecessary temporary lapse in coverage.
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Send email to benefits at Oracle Andy request for the enrollment form (there was some mention of this in the package).
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Benefits Dept sent me a personalized enrollment form to me in ~ 4 business hours.
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I checked off coverage, signed, and scanned form and email it to the 3rd party.
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An hour letter got email back stating that benefits are reinstated back dating November 1st.
If the personalized form were already included in the package then we could have had cobra coverage the next day on Nov 1. Obviously the benefits Dept knew how to generate it and so it escapes me why they did not include it in the package itself and make everyone’s life easy.