What do you do to maintain health insurance when you lateral to a new firm and there is a month delay in the new coverage commencing? Cobra? The exchange?

like
Posting as :
works at
You are currently posting as works at

It's typical for there to be a delay in other benefits, but healthcare should generally start on day one. If you're taking a break before starting, yes COBRA. I think you can even do it retroactively if you don't expect to need it.

like

This. Most cobra plans allow you to apply for retroactive coverage for up to 30 days or more after your last day at the prior firm. If you have less than a month off in-between and you don’t expect to need coverage before you start at new firm (assuming new firm coverage starts day one) then you shouldn’t need to do anything. If something happens in the retro window you can deal with it then after the fact.

like

I have a week off between jobs so no major delay. There was a month delay at my current firm when I started as well.

You can activate cobra retroactively so you should be fine doing nothing unless you need some emergency treatment in that intervening period

You can have 3 months delay without penalty in MA

I have a month break where I have no insurance. Planning on retroactively using COBRA if anyone in my fam has a big accident or event but paying cash if we need to use the urgent care/etc in the mean time.

Related Posts

Seriously thinking of taking a 6 mo sabbatical and getting away from it all for a while next year. Potentially travel around the world in Q3 / Q4 presuming the pandemic situation has improved. Single and kids are in college so no day to day family responsibilities. Anyone done something similar? Would love to hear your experiences. I know it will set me back from making Partner by at least 1 year but who cares? I feel like it will be a life changing experience (traveling around the world part).

like

I’m getting ready to start my FT position as a HUC (Health Unit Coordinator) in Labor and Delivery. I know it will be a while before I do anything of the sort, or IF I do anything of the sort. But I wondered if there were any other HUCs on here who crosstrained? (Wether as a PCT Patient Care Tech, Medical Records, or Telemetry?) was it worth it?

like

What benefits are provided by PWC Bangalore AC to employees? Is the culture good enough compared to Deloitte USI?

like

My normally super regular period is now five days late (not pregnant)... Is this perimenopause? 😭 I’m only 44 and so not ready for this.

like

One of my coworkers started complaining that I didn't wear a mask on a Zoom call, because I might "infect the people coming into my house". That so-called person is my house cleaner, and we're both triple vaccinated and are fine not wearing masks. Should I tell my coworker to mind their own business?

likefunny

What would you do or give to work on a COVID vax/therapy?! Me, I’d be willing to work at a lower daily/hourly rates to be part of the solution.

like

Any expecting Deloitte moms here? What insurance plan are you getting? I’ve been on husband plan but wondering if I should switch this coming year!

like

Any good underwear brand? Looking for something sustainable and cotton (heard it’s good for health)

like

Can we get a gaming laptop using the 1100$ reimbursement?

like

Anyone have insight on Solution Engineer - Marketing Cloud - Healthcare at Salesforce? Would love to chat. Thanks!

like

I wish I would have had this bowl ten years ago 😔 I recently was diagnosed with ADHD. I have been able to manage this far with coping mechanisms but I recently got divorced, have four kids and a busy job with a lot of aspects that are new to me. Now I may get fired for “lack of attention to detail” and “missing deadlines.” I wish I had looked into this so much earlier. I’m two weeks into taking Wellbutrin but I think it takes awhile to kick in, my psychiatrist suggested starting with that…

like

Is it common in the industry for licensed insurance agents to not get any commissions on a referral in which you personally write the policy? Ex: If a current client refers a prospect to our team, I would not receive commission. Additionally, if I write a policy for friends/family I would get a small incentive but it’s a fraction of the commission producers make.
Management is considering changing this going forward. However, I’m not sure how I should react if they keep things how they are now.

like

If you work at a small agency in NYC, could you tell me what your monthly health insurance premiums are for families? I'm at a small agency in NYC and the health benefits for a family are almost prohibitively expensive, ~1,500/mo with a high deductible. Would love to know if we're competitive or not and if not, share that info with our HR and bosses.

like

What issues will shape the landscape of insurance over the next 10 years?

like

What insurance does Tesla partner with?

I'm having severe stomachs upset because I have social anxiety going into the office...why does this always happen? Anyone else have this problem? Can't do a fully remote job because those make me feel crazy and make the days blur together and leads me to depression...

likefunny

I quit drinking at the first of the year because I was drinking too much as a way to cope with Covid. 99.9% of the time, I’m glad I quit drinking. And then there are those nights when I just want a glass of something to take the edge off, which makes me think alcohol was more of a coping mechanism than I thought and it’s probably a good thing I’m not drinking. I don’t even like wine very much, but I miss that low level buzz that makes everything a little less loud.

like

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

like

Hello all! New grad OT looking at taking a position as a pediatric home health therapist. Starting is $55 per visit and $115 for evals/re-evals. Is this pretty standard?

Just started my first role in Tech ever as territory sales rep

Previous background all in Sales roles, most recently as a health and life insurance broker…

What can I expect , lay it on me foreal.

like

More Posts

Any good underwear brand? Looking for something sustainable and cotton (heard it’s good for health)

like
likefunny

Any1 here working with WS Audiology ?

Looking to get a referral for BDO SALT practice.

like

Hi all, need referral for Deloitte. I've the job id. Please ping me

TIA

like

I have 8 years of marketing experience. Looking forward to change my job. Any opportunities?

like

Hi fishes. I am having 4 years of experience in Rpa UiPath. Coforge is paying me 21 lpa and 1.05 lpa variable and Ey GDS is paying 17 lpa fixed. Which one is better?

Guys need referral for quantiphi for data engineer.

like

Sorry to make a full post but...how do I join this bowl?

Looking for respectful ways to manage helping people in need of a job or seeking mentorship. I get 3-4 requests a week from mutual contacts asking if I can connect with a former colleague (always broad). Typically the ask is a 30-45 min call. I’ve been laid off, I know how hard a time it is, but equally am working long hours, parenting and want to reserve time for those I know. How do others manage these extra calls into their weeks?

like

Can we get a gaming laptop using the 1100$ reimbursement?

like

What is the salary of a senior product manager at ola ?

like

How many hours a week (average) do internal auditors work? Is there busy periods of the year like public accounting ?

like

I’m at a mid sized regional firm. Partner I work with only wants to do litigation but it doesn’t keep all the associates busy. So, he takes on whatever random projects come he gets calls on, but will say things like “we gotta pretend like we’ve done this a thousand times.” It makes me uncomfortable because we haven’t and it’s specialized things like doing all the filings to establish an HMO (which we don’t do). He then ghosts and we’re left trying to figure it all out. Is this normal?

like

Anyone have insight on Solution Engineer - Marketing Cloud - Healthcare at Salesforce? Would love to chat. Thanks!

like

Hi all , does anyone have a 100% bulletproof resume writer that’s affordable ? I’ve paid two people to assist me but to no avail. Please help

likefunny

Hi Fishes ,currently am in jpmorgan bangalore with 7yrs exp as pega developer getting 20lpa. Whats the market rate now if i switch.

like

Taught third last and fifth grade this year and I had a really hard year for various reasons. I’m trying to decide if I actually liked the fifth grade, or if I should try again in third? Advice?

like

Who has a very large Microsoft Teams environment? How you managing it (easy/difficult) and what tools have you tried?

like

What are your thoughts about having to take an iq/personality assessment tests? It seems so outdated to me. I don’t think it predicts how you will truly perform at a job. I took a test like this for a startup once and they were concerned about my ability to speak up or behave in social settings. This was completely false. I present, interview clients, demo products, and facilitate meetings for a living. So what if I go home and shut down after work? I’m exhausted from speaking all day!

like

Additional Posts in Law

How does hourly contract lawyering work? I’m on a contract through a recruiting firm before the company hires me directly. My pay is hourly but I get time and a half for over time. I’m currently a policy atty for a think tank and did prosecution before that so I’ve never “billed.” I regularly check and respond to emails on my phone in the evening after work. Do I include that on my timesheet??

like

What would be Jerry West's best cause of action against HBO/Mckay for their negative portrayal of Mr. West in the fictional "Winning Time" series? (He is unlikely to prevail on a defamation claim, right?)

like

My firm doesn’t let us invest in any crypto (nyc big law). Is this the case elsewhere or am I unlucky. I feel like I’m missing out

like

I’m on a staycation week but work (and the overall situation) has been so stressful these past 5 months all I can think about is all the hours I’m not billing. What do attorneys on vacation do?

like

How does on lateral into big law? Is it worth it?

like

This is the most basic question, so yep, I’m asking you to take it easy on me when you reply. I have been practicing for about 5 years total. I have been in civil practice for 2 years. These 2 years have been the most demoralizing, unfulfilling 2 years of my life. I have been giving myself pep talks to find the “positive” spin on it but firm life isn’t for me. I know networking is key but do you have some thoughts/suggestions on how to make an exit...crying at therapy is becoming too much.

like

I am trying to create a list of matters for the last 3 years for a conflicts check (firm requires listing every single party involved) and it is QUITE the process. Any ideas on how to make it less burdensome?

like

Leadership advice for young associates?

like

Advice to avoid ethics violations and unauthorized practice of law in the following scenario. I am licensed to practice in PA and live in PA. Recently accepted a 100% remote non-legal role for a national org based in CA but does business in all states. No lawyers in house. Recently, they casually asked me to review and suggest language in govt contracts. Should I tell them I can't or possible opportunity to renegotiate a legal role in house but with CA license?

like

Small firm: boss, myself, paralegal. Paralegal’s family lends paralegal $ for a transaction. Paralegal pays it before other party holds up their end of deal. Paralegal needs $ because family needs it back & think she still has it since deal isn’t done. I let paralegal borrow money (cover my a** with documentation). First payment is weeks late and only made on demand. Month 2 not paid. Month 3 is overdue a few days. Should I file suit? Loop in my boss? Other options? It’s 2/3 my total savings.

likehelpful

How do you interview for a new position without alerting your current firm that you are looking to leave?

likehelpful

When your firm requires billable hours, how are they calculated? Actual vs realized (I.e. what you put on your billing sheet vs what is billed to the client). Does your firm differentiate? Which number do they go by? My mind is somehow not comprehending how some big law hours are under my small firm requirement?

like

Should an employment lawyer consider getting a PHR/SPHR certificate? Is it worthwhile?
A lot of in house opportunities seem to be looking for them

like

Is there a market for lawyers to add expertise In crisis management or reputation management? My goal is to counsel clients on how to respond to media inquiries without saying or posting something detrimental to a potential litigation while still maintaining communication with their client base. If so, how to break into that industry? Courses? Books? Certifications?

like

Associates, if you turned in work that was subpar how would you want the partner to approach you to tell you about it?

likehelpful

Anyone know what’s the deal with Polsinelli? Just trying to figure out whether they’re the right fit for me. I’m currently in a boutique IP firm. I work pretty hard but it’s obviously not Big Law.

like

Average time between interview and offer? If long (over a month), should you assume the opportunity is dead in the water?

like

Is there any PR issues incorporating/organizing a law firm in DE? If the principal place of business may be elsewhere? Attroneys are licensed in all states that they will practice in. No attroneys are licensed in DE.

like

I’ve been in house my entire career (6 years) and I am thinking about transferring to big law. I feel the experience would sharpen key skills and compensation wise would work out better. Has anyone made this transition before? Is it too late?

like

Has anyone made the switch from firm life to 1099? If so, what benefits and drawbacks have you experienced with the move?

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Send download link to your phone

OR

Scan your QR code to download
Fishbowl app on your mobile

By continuing you agree to Terms of Use and Privacy Policy.

Messaging rates may apply

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal