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Jessica
Consultant
LawEducator, Expert
Hello and welcome to Just Answer. I am Law Educator and I am pleased to assist you today with providing you the answers you are seeking for educational purposes only.
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LawEducator, Expert
Good evening, how are you this evening?
They never issued you your COBRA notice as required by Title 39 of the Ohio Revised Code for employers of less than 20 employees?
LawEducator, Expert
Good day, here is the answer to your query. Please do not hesitate to ask any follow up questions related to this response and know that I will respond as soon as I can.
I was asking about the Ohio Mini-Cobra.
If you did not get your Ohio Mini-Cobra notice, which under OH law is for employers who employ under 20 employees, this is a violation of the OHIO law.
The Mini-Cobra in OH applies to private, government and even non-profit employers.
The Ohio Department of Insurance regulates this and you can make a complaint to the Ohio Department of Insurance.
They will not just penalize your employer, they will make them institute coverage as well.
Had you needed the insurance since your termination then you could have sued the employer for any costs incurred.
LawEducator, Expert
She did not have to pay for your insurance if you had no agreement to pay.
She did have to offer you mini COBRA.
LawEducator, Expert
You can make a complaint with the Department of Insurance and they will fine the employer that is the penalty.
LawEducator, Expert
I would suggest you do what the state law says and make a complaint to Ohio Department of Insurance and let them pursue the issue on your behalf.
LawEducator, Expert
They will have to allow you to get benefits, but since you did not suffer actual harm (which is when they would have owed you money), such as you did not get sick and incur medical bills (thank God), they would not have any other money due to you.
LawEducator, Expert
Let's hope nothing is seriously wrong with you for sure.
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Thank you very much!
Best wishes,
LawEducator
LawEducator, Expert
You are welcome