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Employers should send notices by first-class mail, obtain a certificate of mailing from the post office, and keep a log of letters sent. Certified mailing should be avoided, as a returned receipt with no delivery acceptance signature proves the participant did not receive the required notice.
The federal COBRA law requires Michigan companies who employee 20 or more workers to offer a continuation of their group health plan benefits if that insurance would end due to voluntarily quitting your job, getting fired or laid off, retire before eligible for Medicare and if there are changes in the immediate family.
To access the COBRA portal, click on the Login button in the upper right hand corner of the website, then click "Members" from the dropdown menu. From the Member Login page, click the "COBRA Login" button and you will be directed to the COBRA portal page. Click on the New User Registration button.
4. When does COBRA continuation coverage start. COBRA is always effective the day after your active coverage ends. For most, active coverage terminates at the end of a month and COBRA is effective on the first day of the next month.
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.
COBRA is automatically available to you if you stop working at a qualified employer that provided group health insurance, but your participation in the program is not automatic. You must complete an enrollment form within the specified period of time and pay your first insurance premium.
Although the earlier rules only covered summary plan descriptions (SPDs) and summary annual reports, the final rules provide that all ERISA-required disclosure documents can be sent electronically -- this includes COBRA notices as well as certificates of creditable coverage under the Health Insurance Portability and
Initial COBRA notices must generally be provided within 14 days of the employer notifying the third-party administrator (TPA) of a qualifying event.
If you need further information about COBRA, ACA, HIPAA, or ERISA, visit the Employee Benefits Security Administration's (EBSA) Website at dol.gov/ebsa/complianceassistance.html. Or you may contact EBSA electronically at askebsa.dol.gov or call toll free 1-866-444-3272.
COBRA, known in full as the Consolidated Omnibus Budget Reconciliation Act, allows qualified workers to continue employer-sponsored health care coverage most commonly for 18 months after they leave their job.