COBRA Coverage Headaches

I have held off writing about this but could not wait any longer. If COBRA is supposed to be seamless to the individuals that extend coverage under the act with their company then you are rudely mistaken.

It seems that when you leave a company usually your coverage lasts until the end of the month then your option to take COBRA starts the first of the following month. Well, don't go to a doctor during the 1st week of the following month because you will show in the system as not covered. It takes time for COBRA to kick in retroactive back the the 1st of the month. Don't get caught because most doctors require payment when services are rendered and you will be out the money until you can get reimbursed by your carrier during this break period.

I've known this for years but had the unfortunate experience recently to tell this story. Be careful. I wish the benefit director and the carriers could get together so this COBRA process is transparent and seamless to the employee. One only knows there is enough anxiety and fear when you are let go from a company and you do not need health and dental issues on top of that immediate stress.

I am sure you readers have had similar experiences or have an answer to this troubling issue.

Why Today's Leaders Need EI More Than Ever

As the economic realities around us get harsher, the need for emotionally and socially intelligent leaders grows more intense. Not managers who can dish out pats on the back, blanket reassurances and wishful thinking. The leaders who will see their organizations through will do it by recognizing others' needs, building relationships and generating extra effort. Forget soft skills. This is the tough stuff with which trust is earned and maintained.

EI defines the difference between a great leader and an average one. The ability to inspire a team, tune in to others' values and motivations and model high standards are the hallmarks of outstanding leaders. And these abilities are grounded in a level of self-awareness that gives great leaders the stamina to maintain trust through challenging circumstances.

Do you determine your CEOs and key stakeholders? Check blog post dated 5/6/09.