1. Nuts & Bolts of COBRA Julie Mangrello-Jennings, MSHR March 26, 2008
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9. COBRA Key Events Within 45 days of electing coverage. Participating individual must pay initial premium. COBRA will begin the first of the month following loss of other group coverage, therefore, avoiding lapse in coverage. Date COBRA coverage begins Within 60 days after receiving notice. Individuals must notify the company of his/her election to participate under COBRA. Within 14 days after notification to plan administrator. Plan administrator notify the individual and applicable qualified beneficiaries of his/her rights under COBRA. Within 30 days of the “qualifying event.” Notify plan administrator of the “qualifying event.” Time Frames Key Event
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14. Length of COBRA Continuation Coverage 36 months Dependent child loses eligibility status 36 months Divorce or death of employed spouse 29 months Federal COBRA; additional 7 months Cal-COBRA (if applicable) Employee is disabled at time of reduction of hours or termination 18 months Federal COBRA; additional 18 months Cal-COBRA (if applicable) Reduction in hours 18 months Federal COBRA; additional 18 months Cal-COBRA (if applicable) Termination for any reason other than gross misconduct None – COBRA does not apply Termination of employment for gross misconduct Length of Continuation (months) Event
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