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Federal / COBRA

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1. What is COBRA ?
2. Which employers must comply ?
3. What is a Qualifying Event for COBRA continuation ?
4. Must an employer offer COBRA continuation if the qualified beneficiary is eligible or enrolled in Medicare ?
5. COBRA notices.

General (Initial) Notice
Election Notice when a Qualifying Event has occurred.
Termination of COBRA notice
Insufficient amount submitted notice
Notice of COBRA Unavailability
Notice of change of premium
6. Who is a Qualified Beneficiary (QB) and how long does a Qualified Beneficiary have to elect coverage ?
7. Are employees that the employer does not consider full time counted to determine the 20 or more employees ?
8. Which employers are exempt ?
9. Who pays the premium and to whom ?
10. When may an employer pass on the cost with an increase in premium ?
11. What is recommended to an employer who receives a COBRA premium check that bounces or is rejected for insufficient funds ?
12. Can the member(s) remain on COBRA even if they are eligible for other group coverage ?
13. Who is entitled to benefits ?
14. Are Health Reimbursement Arrangements (HRAs) and Health Savings Accounts (HSAs) subject to COBRA ?
15. Are Domestic Partners, Civil Union Partners, and overage dependents e.g. NY and PAs DU30, and NJs DU 31 considered eligible for Federal COBRA continuation as spouses/dependents ?


16. Am I eligible for COBRA if my company closed or went bankrupt and there is no health plan?
17. What are the maximum durations of continuation of coverage ?

What are the early termination of coverage events?
18. Do Reservists have expanded continuation benefits ?
19. May a person on COBRA add a dependent ?
20. Can someone eligible for Medicare elect COBRA ?
21. Must a new plan offering be offered to a COBRA continuee ?
22. Are there any options for the member that moves outside the plan's service area ?
23. Is there a special COBRA law in New York for groups that do not qualify for Federal COBRA ?
24. Where can I obtain further information?

Related Information

Please refer to the following documents for additional information:




1. What is COBRA ?
You are not authorized to view this answer. To gain access to this content, Please click here.
2. Which employers must comply ?
You are not authorized to view this answer. To gain access to this content, Please click here.
3. What is a Qualifying Event for COBRA continuation ?
You are not authorized to view this answer. To gain access to this content, Please click here.
4. Must an employer offer COBRA continuation if the qualified beneficiary is eligible or enrolled in Medicare ?
You are not authorized to view this answer. To gain access to this content, Please click here.
5. COBRA notices.

General (Initial) Notice
Election Notice when a Qualifying Event has occurred.
Termination of COBRA notice
Insufficient amount submitted notice
Notice of COBRA Unavailability
Notice of change of premium
You are not authorized to view this answer. To gain access to this content, Please click here.
6. Who is a Qualified Beneficiary (QB) and how long does a Qualified Beneficiary have to elect coverage ?
You are not authorized to view this answer. To gain access to this content, Please click here.
7. Are employees that the employer does not consider full time counted to determine the 20 or more employees ?
You are not authorized to view this answer. To gain access to this content, Please click here.
8. Which employers are exempt ?
You are not authorized to view this answer. To gain access to this content, Please click here.
9. Who pays the premium and to whom ?
You are not authorized to view this answer. To gain access to this content, Please click here.
10. When may an employer pass on the cost with an increase in premium ?
You are not authorized to view this answer. To gain access to this content, Please click here.
11. What is recommended to an employer who receives a COBRA premium check that bounces or is rejected for insufficient funds ?
You are not authorized to view this answer. To gain access to this content, Please click here.
12. Can the member(s) remain on COBRA even if they are eligible for other group coverage ?
You are not authorized to view this answer. To gain access to this content, Please click here.
13. Who is entitled to benefits ?
You are not authorized to view this answer. To gain access to this content, Please click here.
14. Are Health Reimbursement Arrangements (HRAs) and Health Savings Accounts (HSAs) subject to COBRA ?
You are not authorized to view this answer. To gain access to this content, Please click here.
15. Are Domestic Partners, Civil Union Partners, and overage dependents e.g. NY and PAs DU30, and NJs DU 31 considered eligible for Federal COBRA continuation as spouses/dependents ?


You are not authorized to view this answer. To gain access to this content, Please click here.
16. Am I eligible for COBRA if my company closed or went bankrupt and there is no health plan?
You are not authorized to view this answer. To gain access to this content, Please click here.
17. What are the maximum durations of continuation of coverage ?

What are the early termination of coverage events?
You are not authorized to view this answer. To gain access to this content, Please click here.
18. Do Reservists have expanded continuation benefits ?
You are not authorized to view this answer. To gain access to this content, Please click here.
19. May a person on COBRA add a dependent ?
You are not authorized to view this answer. To gain access to this content, Please click here.
20. Can someone eligible for Medicare elect COBRA ?
You are not authorized to view this answer. To gain access to this content, Please click here.
21. Must a new plan offering be offered to a COBRA continuee ?
You are not authorized to view this answer. To gain access to this content, Please click here.
22. Are there any options for the member that moves outside the plan's service area ?
You are not authorized to view this answer. To gain access to this content, Please click here.
23. Is there a special COBRA law in New York for groups that do not qualify for Federal COBRA ?
You are not authorized to view this answer. To gain access to this content, Please click here.
24. Where can I obtain further information?
You are not authorized to view this answer. To gain access to this content, Please click here.