NewGuy2005 53 #1 April 7, 2006 Just got a new job that will allow me to leave my current job at the Wal-Mart home office and WORK FROM HOME. I estimate that the reduced hours and no commute will result in at least an additional 800 hours of free time per year. I'm pretty excited. This will allow me to jump start my totally stalled skydiving pregression. I have a question about health insurance: My current job ends on the 19th. My new job starts on the 24th, but I won't be covered by the new job's health insurance until May 1st. I am concerned about jumping prior to being covered by the new health insurance. I know I can COBRA my old health insurance in the event that I get hurt during the time between jobs. My concern is that if I get banged up real bad and am not able to start my new job, I'll be stuck with paying to COBRA my old insurance while being busted up and un-employed. Am I looking at it right? Any opinions from Knowledgeable HR professionals or attorneys?? Quote Share this post Link to post Share on other sites
Broke 0 #2 April 7, 2006 Don't worry most insurances won't pay out for skydiving injuriesDivot your source for all things Hillbilly. Anvil Brother 84 SCR 14192 Quote Share this post Link to post Share on other sites
skydemon2 0 #3 April 7, 2006 you dont skydive people who do are crazy......... If you have to go to medical you ....fell off a ladder, twisted you ankle running, fell off your roof while working on it....whatever it is you did not hurt yourself skydivig!!!Beauty is only skin deep, but ugly goes clean to the bone! I like to start my day off with a little Ray of Soulshine™!! Quote Share this post Link to post Share on other sites
Icon134 0 #4 April 7, 2006 so... why don't you just wait the extra 6 days until 1 May... some people go all winter with out skydiving... and in response to Broke... my insurance covered a skydiving injury...Livin' on the Edge... sleeping with my rigger's wife... Quote Share this post Link to post Share on other sites
Broke 0 #5 April 7, 2006 What insurance company is that?Divot your source for all things Hillbilly. Anvil Brother 84 SCR 14192 Quote Share this post Link to post Share on other sites
Icon134 0 #6 April 7, 2006 QuoteWhat insurance company is that? I belong to the government... Livin' on the Edge... sleeping with my rigger's wife... Quote Share this post Link to post Share on other sites
Broke 0 #7 April 7, 2006 Damn I only work for a sub contracting corporation.Divot your source for all things Hillbilly. Anvil Brother 84 SCR 14192 Quote Share this post Link to post Share on other sites
Elisha 1 #8 April 7, 2006 QuoteDon't worry most insurances won't pay out for skydiving injuries This is definitely wrong and does not apply to the question being answered. The vast majority of work sponsored Health Insurance policies DO NOT individually underwrite employees. Personal Life Insurance policies are a different matter though. For health, it may be a good idea to wait that few weeks gap, but otherwise don't worry about it! Quote Share this post Link to post Share on other sites
jpjc2000 0 #9 April 7, 2006 You are right...almost ALL "true group" insurance covers skydiving...almost all small companies using a private insurer do not cover skydiving. As for the time lapse in coverage, tell your HR person you need Cobra for the time gap. Quote Share this post Link to post Share on other sites
Chrissay 0 #10 April 7, 2006 I use to work in HR and administered Health Care Benefits. As far as I remember, and double check this with your HR dept!!! But you have the right to elect COBRA coverage 60 days after your end date with your company. So, you can hold off on electing now, but in the event you do get seriously injured and need insurance, you can go back and elect the coverage as long as you are within your 60 days. You will have to go back and pay the premium from the time you lost coverage, but in some situations, this can be cheaper than having no insurance. And if you are concerned about if you do get banged up and the new insurance won't cover you due to a pre-existing injury. That only applies if you have a break in coverage of more than 60 days. And do check the Summary Plan Document of your plan, some plans will exclude hazardous activities such as skydiving, scuba, spelunking.... I hope this helps! Quote Share this post Link to post Share on other sites
NewGuy2005 53 #11 April 8, 2006 That helps a lot. Thanks. My only worry is if I get too hurt to start the new job and it's insuranc. Quote Share this post Link to post Share on other sites
