"An Employee's Guide to Health Benefits Under Cobra"

An Employee's Guide to Health Benefits Under Cobra is a 20-page legal document that was released by the U.S. Department of Labor - Employee Benefits Security Administration on September 1, 2019 and used nation-wide.

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AN EMPLOYEE’S GUIDE TO
HEALTH BENEFITS UNDER
COBRA
AN EMPLOYEE’S GUIDE TO
HEALTH BENEFITS UNDER
COBRA
This publication has been developed by the U.S. Department of Labor,
Employee Benefits Security Administration (EBSA).
To view this and other publications, visit the agency’s Website.
To order publications, or to speak with a benefits advisor, contact EBSA
electronically.
Or call toll free: 1-866-444-3272
This material will be made available in alternative format
to persons with disabilities upon request:
Voice phone: (202) 693-8664
TTY: (202) 501-3911
This booklet constitutes a small entity compliance guide for purposes of the
Small Business Regulatory Enforcement Fairness Act of 1996.
2
UNITED STATES DEPARTMENT OF LABOR
Contents
Introduction .........................................................................................1
What is COBRA Continuation Coverage? ........................................2
Who Is Entitled to Continuation Coverage? .....................................4
COBRA Notice and Election Procedures .........................................5
Benefits Under Continuation Coverage ...........................................8
Duration of Continuation Coverage ..................................................9
Chart: Summary of Qualifying Events,
Qualified Beneficiaries, and
Maximum Periods of Continuation Coverage ................................11
Paying for Continuation Coverage ..................................................12
Coordination with Other Federal Benefit Laws .............................13
Role of the Federal Government .....................................................14
Resources .........................................................................................14
Introduction
A health plan helps workers and their families take
care of their essential medical needs. It is one of
the most important benefits an employer can
provide.
Under the Consolidated Omnibus Budget Reconciliation Act (COBRA),
many employees and their families who would lose group health coverage
because of serious life events can continue it in the employer’s group health
plan for a limited time, usually at their own expense.
This booklet explains your rights under COBRA to a temporary extension of
employer-provided group health coverage, called COBRA continuation coverage. It will:
Provide a general explanation of your COBRA rights and responsibilities;
Outline the COBRA rules that group health plans must follow;
Highlight your rights while you are receiving COBRA continuation coverage.
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AN EMPLOYEE’S GUIDE TO HEALTH BENEFITS UNDER COBRA