Oklahoma COBRA Continuation Coverage Election Notice
Description
How to fill out COBRA Continuation Coverage Election Notice?
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FAQ
Oklahoma requires limited continuation of healthcare plan coverage for employees whose employer is not covered by the federal Consolidated Omnibus Budget Reconciliation Act (COBRA) (OK Stat. Tit. 36 Sec. 4509).
Federal law requires that most group health plans (including this Plan) give employees and their families the opportunity to continue their health care coverage through COBRA continuation coverage when there's a qualifying event that would result in a loss of coverage under an employer's plan.
The term continuation coverage refers to the extended coverage provided under the group benefit plan in which an eligible employee or eligible dependent is currently enrolled.
COBRA the Consolidated Omnibus Budget Reconciliation Act -- requires group health plans to offer continuation coverage to covered employees, former employees, spouses, former spouses, and dependent children when group health coverage would otherwise be lost due to certain events.
When the qualifying event is the death of the employee, the employee's becoming entitled to Medicare benefits (under Part A, Part B, or both), your divorce or legal separation, or a dependent child's losing eligibility as a dependent child, COBRA continuation coverage lasts for up to a total of 36 months.
The general notice describes general COBRA rights and employee obligations. This notice must be provided to each covered employee and each covered spouse of an employee who becomes covered under the plan. The notice must be provided within the first 90 days of coverage under the group health plan.
In the case of divorce, continuation coverage can last up to 36 months, and insurers are permitted to charge 102% of the group rate. In Oklahoma, individuals who are pregnant or in a plan of surgery are entitled to a 6 month extension of benefits if they have been covered under the group plan for at least 6 months.
What is state continuation? State law allows employees of smaller employers (fewer than 20 employees) to keep the same group health insurance coverage for up to nine months after loss of a job or loss of coverage because of a reduction in work hours. This is called state continuation.