What exactly is COBRA?
How does COBRA help individuals with their group health coverage?
Do people pay the same amount under COBRA for health coverage?
Does every employer have to offer COBRA health coverage to its employees?
Is every employee entitled to COBRA benefits?
Is anyone other than the employee ever entitled to COBRA benefits?
What are some qualified events that'll allow someone to be covered under COBRA?
Is the health coverage under COBRA for former employees less than the health coverage for active employees?
Can I be covered under COBRA for the rest of my life?
What federal agencies administer the COBRA coverage law?
It's a law passed by the US Congress to help individuals with their group health coverage if it's going to be terminated.
COBRA allows former employees and certain others to continue the health coverage they received from work for a temporary period of time.
Individuals normally have to pay more for health coverage since their employers are no longer helping to pay part of the premium.
No, usually only employers with 20 or more employees.
No, COBRA sets specific criteria that must be met for an employee to receive benefits. The criteria covers three elements: health plan coverage, qualified beneficiaries and qualified events.
In many cases, the employee's spouse and dependent child can be considered qualified beneficiaries and can receive benefits under COBRA.
A: There are certain events that terminate health coverage that are considered "qualified" for COBRA coverage. These include:
The coverage must be identical. Any changes to the health plan apply to both former employees and active employees.
No, the coverage is only temporary. For most people, the coverage can last up to 18 months. Some qualified beneficiaries are entitled to coverage up to 36 months.
For public-sector health plans, the US Department of Health and Human Services administers the COBRA continuation coverage law. For private-sector health plans, both the US Department of Labor and the US Department of Treasury have authority over COBRA coverage.