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Health Insurance During Leave and Upon Reinstatement
Under USERRA, you are entitled to continue your health benefits while on leave. If your health plan terminates because of your absence due to military service, you may elect to continue your health plan coverage for up to 24 months. You can't be required to pay more than 102% of the full premium for your coverage. If your military service is 30 days or less, you can't be required to pay more than the normal employee share of the premium.
Upon reinstatement to employment, your health benefits must be immediately reinstated. A waiting period or pre-existing condition exclusion can't be applied to you.