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Tell Congress: domestic partners need COBRA too!

According to the New York Times, "The stimulus bill working its way through Congress... offers a lifeline to workers who have lost health insurance along with their jobs. In theory, such workers and their families can keep their group health benefits for 18 months under a federal law, the Consolidated Omnibus Budget Reconciliation Act of 1986, known as Cobra. But laid-off workers are often required to pay 102 percent of the full premium, including the employer’s share, so the cost now can be prohibitive. Under the bill, the federal government would pay 65 percent of the premiums for a year. That subsidy would almost surely increase the number of laid-off workers choosing to continue coverage."

Making Cobra more affordable is a great idea.  Congress should also make sure that Cobra is available to all people who are covered by an employer's health insurance plan.  Currently, domestic partners are not included in the definition of "qualified beneficiaries" covered by COBRA.  As a result, employers that provide domestic partnership benefits are not required to to provide continuation coverage for domestic partners of employees, and many don't.  While we're weaving a stronger social safety net, let's patch the holes that let unmarried families fall through.

Your letter will go to your Representative, both of your Senators, and President Obama.

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November 21, 2009

Subject:





Dear Congressmember:


We will add your signature from the information you provide.
 


cobra_story.jpgMy sweetie worked for Verisign, and we were both covered by his insurance, as I was considered his 'domestic partner.' When he was laid off, Verisign declined to offer COBRA for domestic partners – because by law they didn't HAVE to. As a phone contact at the Department of Labor said to my sweetie, what Verisign did was reprehensible... but it was unfortunately also legal. Because we were not married, when one of us lost his job, the other was not covered by COBRA -- and the corporation’s HR department pretty much told us because it wasn’t required by law that they cover domestic partners, they had no intention of doing so. – Bob & Collie Collier, Campbell, CA, 2008