#cobra

How much premium i would end up paying for me, wife and 3 kids if I elect COBRA. Is such a family option available ? How long we can continue COBRA ? Appreciate your inputs.

Their layoff date is 04/27/2026, next Monday. Beyond that, no information has been provided to employees including managers about what will happen next Monday. The last calls will be transferred back to FT, the employees have been told that they will work on finalizing any outstanding work items.

Details of severance? Not yet. Any word about COBRA? Not yet. Will Monday be a full day? Probably not, but why give employees being laid off anything that might allow them to plan, such as when last checks will be issued, when will severance checks be issued. They still have a whole week to figure it out. Financial obligations of employees still need to be met, regardless.

Reading the Severance Policy from the employee handbook is not the same as confirmation from FIS for each employee. Let's keep the tension wound up until the last possible second!

i have a feeling i'll be cut soon (weird vibe coming from the manager, being ghosted and gaslit) i am thinking about keeping cobra and wanted to see if anyone had experience with it. thank you...

If someone is on a PIP and gets laid-off today, do they get severance? Cobra?

Anyone know if the medical last till 4/30/26 or does it end on 4/10/26? When does Oracle pick up the 1 month of COBRA, May 1st?

United Furniture Industries (UFI) terminated nearly 2,700 employees without warning. Workers received late-night text messages informing them of immediate job loss. The company cited "unforeseen business circumstances" for the decision. Layoffs were permanent, and benefits were cut without COBRA continuation. A federal lawsuit alleges a WARN Act violation.

Mississippi

https://www.themanufacturer.com/articles/mississippi-furniture-maker-fires-thousands-of-employees-via-text-just-days-before-thanksgiving/

my position is being eliminated (long story and it will not affect others). i am thinking about keeping cobra and wanted to see if anyone had experience with it. gracias...

How does the benefits work after the 60 day WARN period? Do you take COBRA for health insurance or by any chance do you get full benefits until your severance runs off? I.e. Citi contributes to your medical benefits until the end of the severance pay period
Thanks

Hi all,
I’m mentally drained at Wells Fargo. My manager has been pushing a “performance” issue that feels completely unfair (I’d rather not get into the details on that). Today I straight-up told my boss I’m exhausted from the constant stress and asked if they could just lay me off instead of firing me for performance.
Quick questions:
• If fired how good is COBRA insurance? Or does it offer?
• Can I still get unemployment on a performance termination?
• Do they pay out remaining vacation days either way?

Any advice on handling this or what others did? I need some mental relief before jumping to another job.
Thanks!

For anyone who reads these posts and took the VRP, if you cancel Cobra because you found other coverage, watch your bank account. They took the money from my account for the monthly Cobra bill AFTER I terminated coverage. I had received an email saying the automatic debit was terminated, but I just had a funny feeling that Cigna would take the money anyway, and they did. I called the customer service center, and she put in a ticket to get it refunded, but it makes me so mad. That's a house payment. Cigna wants to keep the money to earn the interest, so I won't get refunded for 14 days! Just watch out.

You’re informed by manager in 1:1 or a VP/Director in group con call

The manager/VP marks it complete in the APEX app

The system, slack & email deactivation kicks off by the APEX app.

You’ll receive an email at your personal Email with follow up

You’ll Docusign the termination contract to receive the severance.

Benefits terminate immediately. You’ll have the COBRA option to continue coverage later retroactively to the day after termination date.

Good luck

I'm sure that I'm not the only one that got/is getting the letter that Navia was hacked.

3rd "we've gotten hacked" letter this year that I have received

Wonder if they are using F5 products?

Let help each other navigate through these troubled times instead of spreading rumors or hate.
If you can please share severance facts anonymously.
1) Does Nike accelerate vesting for all unvested RSUs ? How about options ?
2) Does Nike provide existing medical coverage during the two months on payroll ?
3) After those two months does severance include subsidized cobra coverage only ?

Severance packages in the US have been consistent over the years: 2-4 weeks plus 1 week for every year of service, capped at 26 weeks. Plus one free month of cobra.

Garden leave was a new benefit in 2025, which kept the dejobbed on payroll and benefits for a few weeks. No idea if that was a one off or if it will become standard.

Putting this up, useful info. Found here: @bj+1kkhyebqg

UnitedHealth Group’s slogan is: “Helping people live healthier lives.”

I lost my job at Optum in 2025 and remain unemployed. As a result, I also lost my health insurance. I cannot afford COBRA, and I have a serious health condition that is currently going untreated. Each month I am forced to choose between paying rent or paying for heathcare coverage.

Without treatment, my condition will eventually become terminal.

THANK YOU OPTUM FOR NOT CARING!

I am "offboarding" this wonderful place in the US.

Of course, the links to the offboarding processes do not work or time out.

All I really care about is COBRA (they can take their surveys and shove them).

Has anyone that has recently ejected priced US High deductible family COBRA plans?

If so, what was the cost?

For anyone who’s left this year, do you happen to know roughly how much COBRA costs per month? I’m planning my exit and want to factor that into my budgeting. I’m currently on the HSA Premium plan, if that makes a difference. Thanks!

Does anyone know the cost for Cobra insurance for myself just in case a lay-off comes,then I know what to expect.

Or something else for healthcare? I haven't been affected, I'm just curious.

for those who started cobra, how much does it costs

My last day of non-working notice period is on Friday..I resigned and am going elsewhere and my notice period was converted to non-working notice with pay and benefits intact through this Friday. There is a 5 day gap with when I start with the new company and will be on their insurance from Day 1. Will Citi's insurance coverage expire at midnight on Friday or does it carry forward till the end of the month?

TIA

And to all those looking to get out of here - keep at it. Applying and activating network. It might take a while (took me nearly a year) but keep up the spirit, don't feel dejected if rejected even after multiple interview rounds..dust yourself and pick up again. The market is tough with layoff's. Keep the faith

What happened to Crown continuing coverage throughout the severance period? I just filled out the continuation form and Crown is paying $38 and I am paying $2000 per month. This is my 3rd lay off in 25 years in the industry, its never been done with less respect and support than what Crown has shown. I will be surprised if the severance really shows up and I have no faith in the bonus actually being paid out. What do you expect from a company that allows unlimited drinks on the cooperate card?

i just signed my docs, last day is 2/20. do i have to do anything for cobra? i havent gotten anything in my email, etc. i cant access vzweb either...

Question: HR and manager did read my termination blurb. During the call announce they will pay severance which appears to cover about 3 months of salary. Great since I was about to leave anyway to join a startup.
I imagine there is no stock acceleration typically offered correct?
Question:
I recall something about Cobra. Not sure I would need to pay premiums. Not interested in that since I can join wife excellent medical plan instead.

Recently had my prescription refilled at CVS. Price was double that of my December refill. Pharmacist said probably due to starting COBRA in January. FYI.

Just an FYI regarding COBRA. For reference, I am a 12/19 off payroll ex-VZ'er. I called Net Benefits when I received the "confusing letter" last week about COBRA benefits. The letter is a standard notice that employers are required to send out to employees who are let go. I asked if I needed to "sign up" for COBRA as reflected in the Net Benefits system and was advised that I did not as I was already auto-enrolled since VZ is paying for COBRA as part of the severance.
What I did find out, however, is that at the end of time period that COBRA is covered by VZ (mine is 6 months), COBRA will automatically renew if you don't contact them to cancel it and they will start send you bills for the monthly cost of the COBRA coverage. So you may want to put a reminder in your calendar to cancel if you don't plan on paying the hefty COBRA fees after VZ stops covering the costs.

As a single person still working but looking to retire in the next year or two. Can I please get some feedback on what you’re paying for Cobra for 1 person
Thank you

You don’t use to forfeit this money. I believe you can still use the FSA while on 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.