Cobra Election Form New York
Description
How to fill out COBRA Continuation Coverage Election Form?
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FAQ
How to Apply. Your employer or benefits administrator must tell you of your right to continue health insurance coverage. The employer or benefits administrator will give you the paperwork to apply. Normally, you have to choose COBRA coverage within 60 days of getting notice of your eligibility.
How long does it take for COBRA to kick in? With all paperwork properly submitted, your COBRA coverage should begin on the first day of your qualifying event (for example, the first day you are no longer with your employer), ensuring no gaps in your coverage.
How to get COBRA coverage. When a qualifying life event happens, you or your employer will notify the health plan. The plan will send an election notice that you will have 60 days to respond to. If you elect to take COBRA coverage, your employer may pay a portion of or the full amount of your insurance premium.
If you qualify for federal COBRA, which gives you 18 months of extended coverage, New York's state law allows you to add another 18 months through its Mini-COBRA program. This means you could have up to 36 months of continued health insurance coverage by combining both federal and state programs.
You are entitled to 36 months of continued health coverage at a monthly cost to you of 102% of the actual cost to the employer which may be different from the amount deducted from your paychecks. My job was terminated and the company went out of business.