COBRA (Consolidated Omnibus Budget Reconciliation Act) allows you or a dependent covered under medical, dental, vision and/or health care Flexible Spending Accounts benefits to continue coverage when it is lost due to any of the following qualifying status changes:
- Termination of employment (for reasons other than gross misconduct)
- A reduction in the number of hours of employment that affects benefits eligibility
- Divorce or legal separation/termination of eligible same-sex domestic partnership
- Employee’s death (for eligible dependents)
- Child ceases to be eligible for coverage
ConnectYourCare is the administrator of COBRA.
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COBRA Rates Dependent Eligibility
COBRA Open Enrollment
Open Enrollment now closed.
7/1/21 Rates Enrollment/Change Form
What are COBRA qualifying events?
Length of Coverage|
|Reduction in number of hours of employment||18 months|
|Termination of employment ||18 months|
|Divorce, or legal separation||36 months|
|Death of covered employee||36 months|
|Loss of dependent status||36 months|
What is COBRA?
COBRA stands for Consolidated Omnibus Budget Reconciliation Act. Under the federal law, you and your dependents may temporarily continue medical, dental, or vision benefits coverage, as a result of a qualifying event, subject to certain conditions and your continued payment of premiums.
Who is eligible for COBRA?
COBRA rights are available to qualified beneficiaries following a life event that would cause the qualified beneficiary to otherwise lose their benefit coverage. A qualified beneficiary may include the following individuals who were covered by the plans on the day the qualifying event occurred: You (Employee), your spouse, and/or your dependent child(ren).
After a qualifying event, what do I need to do to continue my coverage?
Once you receive your packet of information from ConnectYourCare, you have 60 days from the date of notice to make your COBRA benefit elections. If electing to continue your coverage, you will be retroactively covered back to the date immediately after the termination of your loss in benefits.
Premiums are due by the first of each month. Premiums will be adjusted each July 1. Please keep in mind that there is a 2% administration fee added to the premiums.
Termination of Coverage
Coverage may be terminated earlier if:
- Premiums are not paid on time;
- Voluntary termination
Coverage is obtained through another group health plan that does not have any pre-existing condition limitation or exclusion. If such coverage is obtained prior to COBRA election, the COBRA coverage may not be terminated early;
A qualified beneficiary ceases to be disabled during the period of extended coverage.