COBRA (Consolidated Omnibus Budget Reconciliation Act of 1985)
If you lose your job, employers subject to COBRA must offer you and any family members covered by your group health plan (qualified beneficiaries) the opportunity to purchase the insurance coverage. Eligible employees and eligible dependents currently enrolled in the Medical, Dental and/or Prescription plan may continue coverage upon a qualifying event in the group plan at your own expense.
Enrollment
Contact the Cinnaminson Township Board of Education Business Office immediately following a COBRA qualifying event.
Qualifying Event(s)
Employee
As an employee enrolled as a member of the Cinnaminson Township Public Schools' benefit program you may continue coverage at your own expense for yourself and your eligible dependents for the following reasons
Spouse
As a spouse dependent enrolled as a member of the Cinnaminson Township Public Schools' benefit program you may continue coverage for yourself for any of the following reasons:
-
Your spouse dies
-
Your spouse’s employment terminates for reasons other than gross misconduct, or reduces hours of employment
-
Divorce or legal separation from your spouse; or
-
Your spouse becomes entitled to Medicare benefits.
Child(ren)
As a dependent child enrolled as a member of the Cinnaminson Township Public Schools' benefit program you may continue coverage for any of the following reasons:
-
The death of parent;
-
Your parent’s employment terminates for reasons other than gross misconduct, or reduces hours of employment;
-
Your parents divorce or legally separate;
-
Your parent becomes entitled to Medicare; or
-
You cease to be an “eligible dependent child” under any/all group coverage.
Standard Periods of Coverage- The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) establishes required periods of coverage for continuation health benefits. COBRA beneficiaries generally are eligible for group coverage during a maximum period of 18 months for a qualifying event of employment termination or reduction of employment hours. Other qualifying events may entitle a spouse and dependent children to a total of 36 months of COBRA coverage.
|
COBRA Continuation Coverage |
|
Qualifying Event |
Beneficiary |
Coverage |
|
Employee termination (other than by reason of gross misconduct) or reduced employment hours |
Employee, Spouse,
Dependent child |
18 months |
|
Employee enrolled in Medicare |
Spouse /
Dependent child |
36 months |
|
Divorce or legal separation |
Spouse /
Dependent child |
36 months |
|
Death of covered employee |
Spouse /
Dependent child |
36 months |
|
Loss of
"Dependent child" status |
Dependent child |
36 months |
Please remember your insurance benefits are limited to the terms, conditions, exclusions and limitations of the insurance carrier's policy. Nothing contained on this website shall be deemed to have altered, waived, or extended the coverage provided by the policy. This overview contains a general description of your benefit programs for your use as a convenient reference. Complete details of your program appear in the policy, which govern the benefits and operation of your program. The policy supersedes if there should be any inconsistency or difference between its provisions and the information in this overview. |
