After terminating employment, how long is my employer required to continue my insurance, and under the new federal law, isn't this coverage free and shouldn't it last forever?
The South Carolina Department of Insurance does not regulate employers. Most employers terminate coverage at midnight on the day you leave. The employer should offer you the option of continuing your insurance through Consolidated Omnibus Budget Reconciliation Act (COBRA) (if he has 20 or more employees) or through the State Continuation of Benefits (if he has less than 20 employees and you have been covered by the group plan for six consecutive months).

Please note that under COBRA or State Continuation of Benefits, the former employee must pay the employer's portion, the employee's portion, and on COBRA, the employer may charge a 2% surcharge. There are limitations to the periods of time one can be covered. Please call us at 803-737-6180 for more information.

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1. Is my employer required to offer me health insurance coverage?
2. Can my employer change our health insurance carrier and level of benefits during the year?
3. Are all group health insurance policies regulated by the South Carolina Department of Insurance?
4. What happens to my group health coverage if I leave my employer?
5. After terminating employment, how long is my employer required to continue my insurance, and under the new federal law, isn't this coverage free and shouldn't it last forever?
6. What happens when my group health coverage ends?
7. My health insurance company has not paid my claim. What is the time frame for a company to process the claim?
8. I asked my employer to cancel my coverage due to lack of income. He says he can't do that until January 1. Why?
9. What is a “self-insured” plan?