Right to Convert to Individual Coverage

If a covered person is enrolled in an HMO and   the insured medical benefits cease because the covered person is no longer eligible for coverage under the plan, the covered person will be entitled to convert to individual coverage with the medical plan to which the covered person belonged at the time eligibility ceased, without […]

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Continuation of Coverage Under CalCOBRA

Covered persons who have a qualifying event that provides less than thirty-six (36) months of continued coverage and are enrolled in an insured medical plan in the state of California may continue group coverage for up to thirty-six (36) months (including the initial eighteen (18) month period).  In order to qualify for this coverage, the […]

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Military Leaves of Absence for Periods More Than 30 Days

  If you are on a military leave of absence from your employment and the period of military leave is for more than thirty (30) days, USERRA permits you to continue coverage for yourself and your dependents at your own expense at a cost of 102% for up to 24 months, so long as you […]

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Military Leaves of Absence for Period Less Than 31 Days

USERRA provides that if you are on military leave of absence from your employment, and the period of military leave is less than thirty-one (31) days, you will continue to be eligible for health care coverage under this Plan during the leave with no self-payment required, provided you are eligible for benefits under this Plan […]

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Continuation Coverage under USERRA

Uniformed Services Employment and Reemployment Act of 1994 (USERRA) was enacted by Congress to provide protections to individuals who are members of the “Uniformed Services.” This includes the Armed Forces, the Army National Guard and the Air National Guard, when engaged in active duty for training, inactive duty training, or fulltime National Guard duty, the […]

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Termination of Extension of COBRA Because of Disability:

COBRA coverage shall terminate at the end of the calendar month following the date that is:   Thirty one (31) days after the date the social security administration makes a final determination that the qualified beneficiary is no longer disabled;   The first date the disabled individual becomes entitled to Medicare, after electing the COBRA […]

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Extension of COBRA In the Event of Disability:

If you or a family member is entitled to COBRA coverage for 18 months, the 18 month period of coverage can be extended up to an additional 11 months for the qualified beneficiary who is determined to be entitled to social security disability income benefits, and for any other qualified beneficiaries if all of the […]

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Time Deadlines that affect Right to COBRA Coverage:

  Qualified beneficiaries will have only 60 days from the date the election notice is received from the contract administrator or the date of loss of coverage, whichever is later, to apply for COBRA continuation coverage;   If qualified beneficiaries do not elect COBRA continuation coverage within this 60 day election period, the qualified beneficiaries […]

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Continuation Period for Retired Members Who Lost Coverage Because of a Former Employer’s Bankruptcy:

There is a special continuation period for Qualified Beneficiaries who are retired members and dependents of retired members when the employer declares bankruptcy under Title 11 of the United States Code and the retired member and his/her dependents lose substantial coverage within one year of the date of the bankruptcy proceedings commenced.  Coverage will be […]

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