What are the exact steps I need to take to continue my health coverage through Cal-COBRA after losing my job?

To continue your health coverage through Cal-COBRA, you must formally elect coverage by returning the election form within 60 days and then make your first premium payment. Here are the exact steps to follow. Step 1: Watch for Your Cal-COBRA Election Notice Your former employer or health plan administrator must send you a Cal-COBRA election notice, typically within 14 days of your last day of group coverage. This document explains your right to continue coverage, the monthly premium cost, and provides the necessary forms. Check your mail carefully for this package. Step 2: Complete the Election Form Once you receive the notice, you must complete the enclosed election form. Review it to ensure all personal information is correct and select the dependents you wish to cover. You must decide whether to continue coverage within the specified election period. Step 3: Submit the Election Form Before the Deadline You have a 60-day election period, which starts on the date your notice is postmarked or the date your coverage ended, whichever is later. You must mail your completed election form back to the address provided before this 60-day deadline expires. To be safe, send it via certified mail to have proof of the mailing date. Step 4: Make Your First Premium Payment After you submit your election form, you have 45 days to make your first premium payment. This initial payment is retroactive and will cover the period from when your employer-sponsored coverage ended. Your Cal-COBRA coverage will not be active until this first payment is received and processed. Important Details: Cal-COBRA generally applies to employers with 2-19 employees. Your continued coverage will be identical to the plan you had while employed, but you will be responsible for 100% of the premium plus a small administrative fee. Warnings: The 60-day election deadline is strict; if you miss it, you will lose your right to Cal-COBRA. Also, consider your options through Covered California, the state health insurance marketplace. Losing your job is a qualifying life event that allows you to enroll in a new plan, and you may be eligible for subsidies that make coverage more affordable than Cal-COBRA. This is general information and does not constitute legal advice. For complex situations or if you have issues with your former employer, consult with a qualified California attorney.