Yes your employer can cancel your health insurance while on disability. There are two key laws that may protect your rights while you are unable to work.
The Family Medical Leave Act (FMLA) requires that employers continue to provide health insurance coverage on the same basis as if the employee was working. These protections last for twelve weeks, so your employer could cancel your coverage after this time.
The FMLA applies only to businesses with 50 or more employees, and employees working a specified number of hours. If you are not eligible for FMLA, your employer could cancel your policy at any time.
COBRA allows for employees to continue coverage for up to 18 months. If you employer cancels your policy, you can keep it in force by making the premiums payments yourself. You would lose the employer contribution, and the advantages of pre tax elections for your contribution.
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The Family Medical Leave Act (FMLA) requires that employers continue to provide health insurance coverage on the same basis as if the employee was working. These protections last for twelve weeks, so your employer could cancel your coverage after this time.
The FMLA applies only to businesses with 50 or more employees, and employees working a specified number of hours. If you are not eligible for FMLA, your employer could cancel your policy at any time.
COBRA allows for employees to continue coverage for up to 18 months. If you employer cancels your policy, you can keep it in force by making the premiums payments yourself. You would lose the employer contribution, and the advantages of pre tax elections for your contribution.