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The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) requires most employers with group health plans to offer participants the opportunity to continue group health coverage under their current plan, if a qualifying event has occurred.

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COBRA Frequently Asked Questions
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Access Your Account*

*May not be available for all participants

Benefit Information

COBRA continuation coverage generally starts on the date of a qualifying event (see "What is a qualifying event?" on the FAQ page). In most cases, COBRA continuation coverage can extend for a maximum period of 18 months. This maximum coverage period varies according to the type of qualifying event that was experienced by the participant.

For situations such as divorce, loss of dependent status, or becoming eligible for Medicare, coverage may continue for up to 36 months. Or, a disability extension may be given for up to 29 months for qualifying disabled employees.

Under COBRA, the participant pays the full coverage premium cost with their own out-of-pocket money. The expense of the plan is also paid by the participant and coverage can only be extended for a limited time as specified above.

Retiree Billing

Retiree / Direct Billing Administration manages the process of providing company-sponsored benefits to self-paying Retirees and Employees on a leave of absence.