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COBRA

COVERAGE AND PREMIUM: Under any group health insurance plan established after July 1, 1986, the college offers continuation coverage to the following qualified beneficiaries for the stated period of time:

  1. To the employee for 18 months after a termination (other than for gross misconduct)

    Or reduction in hours. An employee providing notice of being disabled under Title II or XVI of the Social Security Act before the end of the initial 18 months of coverage shall be offered up to 29 months of continuation coverage.

  2. To dependents of the covered employee for 36 months after the employee becomes eligible for Medicare benefits.
  3. To dependents of the covered employee for 36 months after the employee’s death or the divorce or legal separation of the employee from a spouse.
  4. To a dependent child for 36 months after the child ceases to be a dependent under the terms of the plan. 42 U.S.C. 300bb-1, 300bb-2, 300bb-3.

The college may require premium payments not to exceed 102% of the usual cost of the plan for the period of continuation coverage. Individuals entitled to 29 months of continuation coverage may be required to pay premiums not to exceed 150% of the usual cost for any month after the 18th month. The qualified beneficiary may choose to pay the premiums in monthly installments. In no event may payment be required before the date that is 45 days after the day on which the qualified beneficiary made the initial election for continuation coverage.

42 U.S.C. 300bb-2(3)

TERMINATION OF CONTINUED COVERAGE: Coverage of qualified beneficiaries shall end on the earliest of the following dates:

  1. The required period of coverage expires.
  2. The college ceases to provide any group health plan to any employee.
  3. The date on which coverage ceases for failure to pay the premium.
  4. The qualified beneficiary becomes covered under any other group plan.
  5. The qualified beneficiary becomes eligible for Medicare benefits.
  6. The remarriage of a person who is a qualified beneficiary because of being the spouse of a covered employee.

42 U.S.C. 300bb-6. See Policy Manual, CKD (LEGAL

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