Return To Work For New Employer-Impact on Benefits

Life Insurance

There is no change just because you leave your next employer. The change occurred when you started work with the new employer.

Long Term Disability Insurance from your prior employer

If you stopped receiving income from disability insurance when you returned to work without an agreement about what would happen if you didn't make it at the new job, then the odds are the payments will not be started again. However, if your policy provided a trial work period, or if you negotiated with the insurance company before returning to work about this very situation, your income may start again.

Also, if you leave within six months of returning to work, the plan's Recurring Disabilities Provision may offer a chance to get benefits started again.

Health Insurance:

If you converted your last employer's group health insurance to an individual policy

Leaving the next employer has no effect on the coverage.

Health Insurance:

If you continued your health insurance from your previous employer under COBRA and you became eligible for health insurance from your new employer

Whether or not you took the new health insurance, your COBRA should have ended when you became eligible for the new employer's health insurance. The fact that you now leave the new job does not affect the termination of your right to COBRA.

There will probably be COBRA continuation all over again from your new employer's plan, and possibly a right to convert the new employer's health insurance to individual coverage.

If you continued your health insurance from your previous employer under COBRA but did not become eligible for health insurance from your new employer

Going to work for a new employer without becoming eligible for health insurance from that employer does not affect your COBRA coverage. Thus, it does not matter whether or not you stay with the new employer.

Your COBRA coverage will stay in force until the time limit runs out or you become eligible under another employer's health insurance or you become eligible for Medicare or Medicaid. Keep in mind that when COBRA runs out, HIPAA permits a conversion to individual health insurance.

For more information, see HIPAA and COBRA.

Covered under current employer's health plan: There will probably be COBRA Continuation all over again for this health plan, assuming your employer comes under either the federal COBRA law or a state Continuation law probably be no benefits available if you leave work for the same condition that you earlier.

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