NEED HELP WITH SPECIAL CASE

[Crabcake Johnny]

Thanks to both James and John for input. However, I do see particular problems that can arise no matter what MY decision is.

My instincts are right now to respectfully decline her requests due to her disclosure about potential surgery. My fear however is that if she were to not secure individual coverage and she became sick that I would somehow be partially liable. Am I overreacting to this particular case?

It's not that hard:

"Ma'am, I'm sorry but I cannot fill out a health insurance application since you're planning on having a surgical procedure. If and when you have the procedure and you're released from doctor care you can contact me at that time."

 

[www.echolsinsurance.org]

She really has nothing to worry about as long as she stays on cobra. She's guaranteed issue once Cobra runs out so just tell her to keep what she has until that time or until she becomes insurable.