COBRA is the right of a terminated employee or an employee who has moved to part-time to continue coverage under their employer's health insurance. In the majority of cases, an employee's COBRA coverage remains identical to their previous coverage, along with all their plan selections and plan services. The employee's copay amount and deductible remain the same as well, along with their coverage limits, as well as any carrier rules for filing claims. COBRA participants also have the right to participate in Open Enrollment and choose new plans.
Employee Eligibility When a Company Goes Out Of Business
If a company closes its doors, employees cannot participate in COBRA because there is no health plan to continue coverage under. Employees who lose their health coverage in this... Learn more
In general, employees who were previously actively enrolled in health insurance coverage for at least one day, but lost it due to a change from full-time to part-time employment... Learn more
Employees eligible for federal COBRA coverage must elect COBRA coverage within 60 days from the employee's insurance termination date, or for state COBRA, the date specified on ... Learn more
Determining Federal vs. State COBRA
Generally, the COBRA type offered to employees is determined by the number of full-time employees and FTEs in the employees' company. Federal COBRA generally applies to c... Learn more
Federal COBRA Durations and Qualified Beneficiaries
Eligible qualified beneficiaries and the maximum length of Federal COBRA coverage are determined by the type of qualifying event. For more information about gross misco... Learn more
Understanding Carrier Administered State COBRA
Carrier administered state COBRA is a direct relationship between the employee and carrier, since the employee is no longer affiliated with the employer's group plan. COBRA Comp... Learn more
This page lists important terms to know when dealing with COBRA in Zenefits. COBRA Terminology Administration Fees are charged to participants (on top of premium payment ... Learn more
COBRA Minimum Eligibility Rules
Some states require employees to be active on benefits for a minimum number of months or days prior to moving to part-time or being terminated to be eligible for State COBRA. Ot... Learn more
COBRA and Cancelation of Group Insurance Policies
In the event that a company cancels their group insurance policy/policies, any COBRA enrollees on those plans will experience a qualifying life event (QLE). This is considered a... Learn more
Important Information about Your Rights to COBRA Continuation Coverage During the COVID–19 Pandemic
This summary provides important information about temporary relief that may be available to you and/or your family members if you are enrolled in (or become newly entitled to) c... Learn more
Notice of Ending of Certain COVID-19 COBRA Election Time Frame Extensions - February 26, 2021
The Department of Labor (DOL) released Employee Benefits Security Administration Disaster Relief Notice 2021-01 on February 26, 2021 (the “Updated Outbreak Guidance”). The Updat... Learn more
ARPA: AEI Status Update Process on COBRA Portal
Employer System Functionality There are multiple areas in the employer portal that they can designate/update a consumer’s AEI status. Option 1: Update each member status manual... Learn more
Important ARPA Update: Employer AEI Identification and Notice Obligations
The U.S. Department of Labor (DOL) issued guidance under the American Rescue Plan Act of 2021 (ARPA) and provided model notices to assist employers with fulfilling their employe... Learn more
American Rescue Plan Act (ARPA) of 2021 FAQ
What are key dates to ensure compliance to American Rescue Plan Act of 2021? ARPA includes a provision for a COBRA continuation coverage premium subsidy of 100 percent for indiv... Learn more
COVID Relief COBRA Subsidy: AEI 2021 Premium Assistance Credit Report on COBRA Platforms
The COVID Relief COBRA Subsidy is part of the American Rescue Plan Act (ARPA) of 2021 and provides six months of 100% subsidized COBRA coverage, from April 1, 2021 through Septe... Learn more
End of ARPA functionality on COBRA Platforms
We want to provide important details about the upcoming end date and winding down of the ARPA functionality within your COBRA Platform. Below you will find a full schedule for s... Learn more
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