#cobra

So, if you are offered VRP and decline it, and then get laid off anyway, is the only difference COBRA coverage? Do you still get 2 weeks per year of service? Are there any other differences or perqs to VRP?
TIA!

For those laid off in October, does anyone know when Target will send instructions for cobra and life insurance? Wouldn’t anll benefits expire this weekend?

So, after logging into EAP (Spring Health), a big splash screen said my EAP would end 2/4/26. Well, excuse me, but the FAQ say EAP ends at the end of the benefit period, which for me/mine is 7/31/26. After calling them and confirming the date THEY say, I am currently "battling" with EAP and providing said screen shots, severance period, etc. Has anyone else encountered this? On another note, I did receive the Cobra package yesterday, and it does appear the coverage ended on 12/31, but if you look on the back of the 1st page, you should find YOUR end date. I saw an earlier post with some ppl freaking out. (I need some counseling DA---T!! :-) )

Apparently we still need to "sign up" for the Verizon paid COBRA insurance during our severance period.

Medical, Dental, and Vision for you and dependents are $0.
There are additional charges for things like extra life insurance, which you can change (decline).

We have until 3/5/26 to sign up for the Verizon paid COBRA insurance during our severance period, BUT you must still sign up, its not automatic (which was not made very clear by HR...another fail from Verizon in regards to this RIF)

I did mine today, says the Total Annual Cost $0.00.
I printed the sheet in case there is any discrepancy and to cover my a-s!

I was rif'd on Dec 19 and Verizon mistakenly cancelled my insurance as of Jan 1. Anyone else have problems with their insurance coverage? They had to submit paper work to reinstate my insurance. I was on hold to get through to Verizon Benefits Center for almost an hour.

Shot in the dark here looking for some help. I left SAP in May 2025 and have been on COBRA administered by Health Equity/Wageworks. When logging on to make my January payment, I was told that SAP has moved to a new COBRA administrator. No notice was given. I have an email out to HR Direct, but I wanted to see if anyone knows who this is so I can speed up the process.

Cobra is expensive but with the subsidies not getting extended, anyone thinking about the optimal decision for health coverage?

I got the email. I am a high performer so it was not based on that. I suspect the offer is age based to get rid of the high salary folks. I am 62.
Exit date May 31 2026.
Depending on your level 8 - 26 weeks severance (26 weeks is VP level).
RSU - an additional year of vesting.
2026 Bonus will be pro-rated.
30 days continuation Medical
18 Months Subsidized Cobra (you pay what an employee pays).

Thought might be useful info, so bumping the post up. OP: @aq+1kbjqa3b6

Do you get health insurance benefits after they lay you off?

To update everyone on the 2026 COBRA costs, I just received the official document outlining costs so wanted to share. Appears costs are up about 15% from 2025 COBRA when averaging Medical/Dental/Vision. Looking about $900 monthly for single, $1637 for primary & domestic partner, and $2296 for family. This is an Anthem BCBS plan so other plans may vary.

OUCH!

I thought this deserved to be on top for more people to see. Thanks, @27c+1k9rdcg3n.

Does anyone understand the weeks of medical benefit line? Does that mean we keep our insurance for that many weeks? Or is that strictly cobra coverage? They don’t explain anything.

Curious what (if any) severance they’ve been giving people during these re-orgs. Is it paid as a lump sum or every 2 weeks like a usual paycheck? Do they give a few weeks/month of benefits so these folks aren’t scrambling for immediate coverage?

Are you getting any paid cobra in N.A.?

I’m going to leave next year regardless once my CIP hits. Is there a way to EOI so I get severance? What if I just stop working? Will I get severance for involuntary termination? Between a prorated CIP, Cobra, and severance it could be worth over 100k for me to do this vs. leaving voluntarily.

I’ve retired, still not Medicare eligible and my insurance carrier is changing during COBRA. I don’t know why. I’ve called HR/Benefits 3 times, each time I speak with someone, they tell me that I will have answer within a few days. I had the one person create a ticket number, of course, no one informs me of anything. Today, when I called for the 3rd time, rep tells me the answer they put in the ticket was “insurance carrier changed”. No sh$$ sherlock, yes I know that, that’s what I’m asking is why did it change.
Would anyone know why it would change. Yes, my address changed to a different state, so I’m assuming that’s the reason why.

Planning for some time off after this. Navigating healthcare while unemployed sounds like a nightmare.

2026 will be bad.... we are headed to much trouble times - the economy and politics will suffer, the worker will suffer... make sure u got degrees and some certifcations. todays job market care more about culture fit, tests, 3-6 interviews and then ghosted?? i felt this pain alredy and the stress is unreal!

so when u get that meeting invite later today, manager there but hr left out cause it’ll be a surprise.. severance, COBRA, resume helper... nobody reached out to me when i was laid off, not even ppl i reported to, nothing!! nobody has ur back.. i realy hope u got family or friends like i did, cause when that call ends, u’ll see who really matters in life...

new views will hit u hard... no loyalty, no care, no two week notice.. all that they expect from us when we leave a company!!!

Severed employee here who is nearing the end of my benefits. Considering COBRA for next year, amongst other ACA options, but wondering if anyone has any ideas on 2026 COBRA rates. I called the 'hotline' this week and they still do not have any ideas on rates stating 'call back mid December'. This is getting a bit too '11th hour' for my liking as I'd like to have some time to review options if need be prior to end of year when my WF benefits run out. Wondering if anyone else is in the same predicament and if anyone has any ideas on expected % increase of COBRA benefits compared to 2025 COBRA amounts.

Did anyone else receive a “Continuation Coverage Rights Under COBRA” letter from Synopsys today? It specifies that it’s not a notice of termination, but the timing feels off. It may be related to the acquisition, though given that one of the usual COBRA triggers is loss of employment, the timing could have been handled better.

if you got let go last week, do you get subsidized cobra for your entire severance period or just through end of year (for example, if severance pay would end in early summer).

U.S. employee, been on COBRA for a time after getting laid off. Heard nothing about open enrollment to continue coverage. CSG HR and COBRA admin no nothing about it. When is the open enrollment period this year?

I'm looking at how COBRA rates are quoted and it almost looks like COBRA rates aren't geographic specific -- nationwide. (?) So they almost look CHEAPER to me (Northern California) than FTE rates. Am I mis-reading or can somebody confirm what I'm seeing?

COBRA rates: https://teamworks.wellsfargo.com/pdf/ABE_2026/RS_COBRA.pdf

Palo Alto employee here. Will get notified on Dec and last day 60 days later. Question: What kind of continuing healthcare coverage does Broadcom offer during the severance period? Continuing the existing plan for a period of time?

And I assume after that, the option to purchase Cobra coverage?

Has anyone heard what premium increases will be applied to the Elevance Health (formerly Anthem) COBRA insurance for past employees (i.e., RIF'd)?

Elevance Health COBRA insurance is administered either by a third-party administrator (TPA) hired by the employer or by the employer's internal HR department. Anthem offers both COBRA (continuation of group health benefits) and benefits administration solutions, though it often partners with third-party administrators like Benefit Admin Solutions or Benefit Help Solutions to manage the administrative details of COBRA.

What does the package normally consist of?

I’ve heard rumors of 2 weeks per year of service.

STI

Cobra insurance.

I can’t change what’s happening but I can plan.

Hey, for those unfortunate (or fortunate) People like me that were surplussed in the past... the cutoff date to renew your COBRA benefits is Nov 7! Of course you will not receive any reminders as I did not from the COmpany to remind you of this important cutoff date: Dont assume you have until the end of November - it is by November 7th.

Most have probably found much cheaper insurance, but I found the Vision plan and Careplus (extended) to be pretty good and kept it. But of course no reminder to renew. Just a public service announcement as we all have other things going on in life, didnt want my old freinds and co-workers to miss out and get scr_wed once again. All the best! I hope you are all in a better place then where we were!

Does anyone know or have a resource they can point me to that explains "cash pay" versus COBRA?

I wanted to see if it is me or if HCSC is really that disorganized in getting these two items taken care of for those of us that have been recently RIF'd. I am a REMOTE worker who was RIF'd back on 9/24/2025. I was curious if there are others experiencing the same as me. The contacts we were told to work with keep telling me it is coming.... We are almost at the one month mark and I have yet to get either below via mail, UPS, or even FedEx.

1. I have yet to receive any instruction from the transition team or IT telling me how to return my laptop.
2. I have yet to receive any instructions on how to apply for COBRA. We are less than 2 weeks from the end of our medical coverage.

Just curious if others are experiencing the same or if I should begin trying to get the information in other ways.

#1 - No severance if you’re fired for cause
# 2 - save money on payroll
# 3 - give them COBRA, but they will pay unsubsidized premiums for health insurance

I’m hearing conflicting info about what the severance package will be for the upcoming layoff population. Will it be the same as those who decided to leave?? Feels wrong to give ppl who decided to leave the same as ppl who actually still want their jobs. And specifically the insurance/COBRA. Will it be subsidized thru to the end of the severance term?

After 3 weeks, the separation agreement is finally done. Dell is covering 2 months of COBRA insurance (they cut us off a full week BEFORE he was laid off).

How long did it take for y'all to get health insurance reinstated? We're in OKC and I've been without medication for a month now. It's way too expensive to pay out of pocket (thousands). I'm afraid it'll be too late to use it by the time they reinstate & backdate it.

My husband signed his severance paperwork yesterday (after waiting for 3 weeks for them to get it to him) and they agreed to cover 2 months of COBRA.

How long did it take for them to reinstate the coverage after you signed the paperwork? They canceled ours a full week BEFORE he was laid off. (They claim they are "looking into it") But I haven't been able to refill medications ($$$$$) or go to appointments for almost a month now. I fear they will reinstate it too late for us to be able to use it - with the backdating.

Signed up for COBRA today, after Oracle delayed for too long sending the details on that. They said technically I don't have insurance until the provider is notified that I have signed up, and that can take up to a week (retroactively I am covered). So don't delay on COBRA to avoid having to tell your story to your doc and the billing dept.
Also, seems there is lots of action in the COBRA company and they are very, very busy. Good thing the government is shut down so the unemployment data is on hold while the captains of industry rake in their hundreds of billions.

Husband laid off over two weeks ago from Dell and still getting excuses about paperwork delays. We're in a limbo holding pattern. No idea of the insurance/cobra (they also cut off our insurance a week before he was laid off). Nearly 19 years of work...to treat him like this.

Putting this out there to hopefully save anyone who may have fallen into the same predicament I just found myself in. If you're like me, because I was told FIS covers COBRA for 3 months, you selected all the same options that you had while employed, health, dental, vision, etc. Be aware, FIS does NOT cover vision. You need to access the Health Equity Wage Works site and pay the vision amount if you have not already. Until you do so, no paperwork will be submitted by Health Equity to notify of your medical (including CVS) or dental coverage, leaving you without any medical or dental insurance.

The separation letter says that Oracle will pay for 1 month of Cobra insurance and that's retroactive to the termination date. Does anybody know if that includes dental and vision as well?

Hello - can anyone help to dispel the CORBRA for WFR. Do we get CORBRA sponsor from Juniper/HPE for 4 months, or do we have to pay the full amount from our pocket? I don't see clear information regarding COBRA. Thanks