Death of employee, termination, legal separation, Medicare qualification,  or loss of dependent are all qualifying events.

A qualified beneficiary is someone who is covered under the plan immediately prior to the qualifying event.

You will need to complete the form on page 7 of the election form in its entirety. Sign and date the form and return it to Chard Snyder for processing.

All premiums are due on the first of each month.

Yes, COBRA begins on the last day you had coverage before terminating employment.

There are a few methods of payment for COBRA: You may pay by check, bill pay, or online payments using checking/savings account (ACH) on our website.

Once you elect COBRA, you will receive coupons that can be used through the end of your plan year to remit payments.

COBRA allows a 30-day grace period. If your premium payment is not received within the 30-day grace period, your coverage will automatically be terminated without advance warning.

No, premiums cannot be prorated for a shorter period. You must pay the full premium amount for each month. Partial payments will be accepted, but cannot be reported to the carrier until the full amount has been paid. You will not have coverage until all premiums have been paid in full.

There is no difference in the insurance plan that you now have under COBRA. All plan rules and coverages are exactly the same as you had before you terminated employment. The only difference is that you are now paying the actual full cost of the premium instead of just the employee contribution amount.

Send all inquiries regarding coverage or claims activity directly to the carrier, just as you did before you elected COBRA.

Make your COBRA election as soon as you receive your Election Form and return it to us with the appropriate amount due immediately.

When your COBRA period has ended, it will be your responsibility to find other insurance coverage.

Please read the election form you received in its entirety. When you return your signed election form, make a copy before sending it to Chard Snyder and keep it for your records.