COBRA

Important Information about

COBRA

Continuation Coverage

 

You and your dependents may be able to continue eligibility for health care coverage under one of two federal laws which allow a covered person to self-pay the costs of coverage. In 1986 Congress passed the Consolidated Omnibus Budget Reconciliation Act (COBRA), and in 1994 the Uniformed Services Employment and Reemployment Act (USERRA). These laws require that the covered person be offered the opportunity to self-pay for continued coverage in certain circumstances where coverage would otherwise end. In most circumstances the coverage will cost an amount equal to the Plan’s rate for benefits, plus a two percent (2%) administration fee.

The coverage that will be provided to a qualified beneficiary is the same coverage that is provided to other Employees of the employer, unless you choose to purchase only the medical coverage. This will include the right to add Dependents, if already included in the employer’s plan. A newly added Dependent such as a newborn or newly adopted child is also a qualified beneficiary.

A person electing to continue coverage under this provision must pay the entire premium to the Trust Fund Office on a monthly basis. Premiums are due on the first day of the month for which coverage is selected. Premiums received within 30 days of that date will be considered timely payment of premium.  The initial premium must be paid no later than 45 days after the date of election.

Coverage only provides for the continuation of medical, prescription, dental and vision benefits.

Click on the section below for more information regarding COBRA Continuation Coverage:

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COBRA Rates Effective May 1, 2018

(Rates Change Annually)

 

 


If you have additional questions regarding COBRA, please contact the Trust Fund Office.

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