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In most cases, COBRA provides for continuation of health plan coverage for up to 18 months following the work separation. COBRA rights accrue once a "qualifying event" occurs - basically, a qualifying event is any change in the employment relationship that results in loss of health plan benefits.
Under COBRA, an individual may be entitled to up to 18 months, 29 months, or 36 months of continuation coverage depending upon which qualifying event(s) triggered the COBRA coverage.
In addition, employers can provide COBRA notices electronically (via email, text message, or through a website) during the Outbreak Period, if they reasonably believe that plan participants and beneficiaries have access to these electronic mediums.
A COBRA letter is drafted by the plan administrator with a copy mailed to each qualified beneficiary before the coverage is terminated. The COBRA termination letter format must include the reason why the coverageis being terminated, the rights of the beneficiaries, and the specific date the coverage will end.
Generally, there are no refunds. You may contact your administrator or your past employer for specific insurance payment information.
COBRA Notice of Early Termination of Continuation Coverage Continuation coverage must generally be made available for a maximum period (18, 29, or 36 months).
You May Cancel COBRA At Any Time To cancel your your COBRA coverage you will need to notify your previous employer or the plan administrator in writing. After you stop your COBRA insurance, your former employer should send you a letter affirming termination of that health insurance.
Under Florida COBRA insurance, employees can continue their healthcare coverage for a minimum of 18 months, while their spouses and children may receive coverage for up to three years.
Cancellation of termination request If you terminated your COBRA coverage early and need to cancel your termination request, send us a written request via email, fax or mail to cancel the termination by the end of the payment grace period for the effective month of the termination.
New York State law requires small employers (less than 20 employees) to provide the equivalent of COBRA benefits. 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.