COBRA

Consolidated Omnibus Budget Reconciliation Act (COBRA)

Employee

Employees who lose coverage in a CU medical plan, dental plan, vision plan and/or the health care flexible spending account may enroll in COBRA continuation of coverage for the plan(s) in which they were enrolled, for the following reasons:

  • termination of employment (for reasons other than gross misconduct) – 18 months of coverage
  • reduction of work hours – 18 months of coverage

A COBRA packet will be mailed to the employee's home from our third-party administrator, ASI.

Dependent of a Covered Employee

A dependent of a covered employee enrolled in a medical plan, dental plan, vision plan and/or the health care flexible spending account may choose COBRA continuation coverage for the plan(s) in which he/she was enrolled immediately before losing coverage for one of the following reasons:

  • termination of covered employee – 18 months of coverage
  • reduction of covered employee's work hours – 18 months of coverage
  • death of employee – 36 months of coverage
  • divorce, legal separation, or termination of relationship – 36 months of coverage
  • employee becomes Medicare-eligible (dependent only) – 36 months of coverage
  • child loses eligibility – 36 months of coverage

A COBRA packet will be mailed to the Employee's home from our third party administrator, ASI

COBRA Disability Extension

A qualified beneficiary (Employee or Dependent) under COBRA may be eligible for an additional 11 months of coverage (for a total of 29 months) if they;

  • were offered COBRA coverage due to the employee's termination of employment or reduction in hours;
  • are determined to be disabled by Social Security Administration (PERA members without sufficient Social Security must have disability determination from PERA)

  • are disabled at any time during the first 60 days of COBRA continuation of coverage AND
  • notify the plan administrator (ASI) of the disability determination within 60 days of the date of the determination and before the end of the original 18-month period of COBRA continuation of coverage.