- How To Review Benefits From Your Current Employer Before You Agree To Change Jobs
- Tips About Reviewing A New Employer's Benefits Before You Agree To Change Jobs
- When You Change Jobs, There Does Not Have to Be a Gap in Your Health Insurance
- Tips For People With A Health History To Consider Before Changing Careers
Work: Changing Your Job Or Career
As you will see in this summary, and in the other sections of this article, a diagnosis complicates, but no longer prevents, you from changing jobs or even careers.
Until recently, people with a medical condition who get their health insurance through work have ruled out changing jobs for fear of not being able to get new health insurance, or not being able to get it until after a long waiting period because of what's called a "pre-existing condition exclusion" - as well as a fear of being asked about a health history.
Health Insurance When Changing Jobs
The fear of losing health coverage is no longer a problem thanks to COBRA and another federal law, the Health Insurance Portability and Accountability Act of 1996, generally referred to as "HIPAA." Luckily, HIPAA applies to all employers with 2 or more employees.
In order to assure your benefits continue without a gap:
Step 1. Check when your current employer's benefits end.
Step 2. Look at the extent to which a new employer has benefits and when the new benefits begin.
Step 3. Consider what to do if there is a gap in coverage, including how much it will cost you out-of-pocket, and how to pay those costs.
If you do decide to change jobs, don't burn your bridges with your old employer. You may need a reference or, as unlikely as it seems now, decide to return to the employer at some or need a favor at some point. Expect the best.
Questions About A Health History
Thanks to the Americans With Disabilities Act (ADA) and similar state laws, a new employer cannot ask about your health history.
Changing careers is not something to be done lightly. However, as you will see below, if you do decide to change careers, there are government training programs to help you qualify for a different job, or a different level of the job you already do.