My insurance benefits end the day of my last employment and my next job doesn’t start for an additional week. COBRA documents won’t come in for almost a month according to the company website. What happens if I get injured during that week? Am I completely screwed?

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COBRA is retroactive, so in the unlikely event you get injured and need medical care during the gap in employment, you just fill out the paperwork when it comes in and it will cover those claims.

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Cool. Yeah i won’t sign up unless I have to. I just wanted to make sure if I got hit by a bus next week I wouldn’t lose my life savings

No. You go to ER and let them bill your old employer insurance. And buy COBRA afterward.

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You usually have already paid your insurance premium and are covered through the end of the month you leave. I’ve left a handful of jobs and that’s always been the case.

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Many insurance companies have a transitional package when switching employers. And some even offer the first month free, which if you only need a week could mean no cost at all. Try giving them a call and seeing what they can offer.

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