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This type of program is known as COBRA continuation coverage. Under the Pennsylvania Employer - Plan Administrator Notice to Employee of Unavailability of Continuation, laid-off employees can opt for this coverage to maintain their health benefits for a limited time. Understanding COBRA can help you safeguard your health insurance during transitions and uncertain employment situations.
Pennsylvania has a Mini-COBRA law. Employees who lose health insurance coverage through their small employers may be eligible for state Mini-COBRA benefits.
Initial COBRA notices must generally be provided within 14 days of the employer notifying the third-party administrator (TPA) of a qualifying event.
The Consolidated Omnibus Budget Reconciliation Act, known as COBRA, is a federal law that allows employees to continue their employer-provided health insurance after they are laid off or fired, or they otherwise become ineligible for benefits (for example, because they quit or their hours are reduced below the
It allows eligible employees and dependents to purchase health insurance through their former employer for nine months after their employment ends, as long as their former employer's coverage is continued.
For disabled QBs who receive an 11-month COBRA extension (29 months in total), you can charge up to 150% of the group rate. Many states have regulations that are similar to federal COBRA. These state regulations are known as mini-COBRA.
Pennsylvania has a Mini-COBRA law. Employees who lose health insurance coverage through their small employers may be eligible for state Mini-COBRA benefits.
COBRA Notice of Early Termination of Continuation Coverage Continuation coverage must generally be made available for a maximum period (18, 29, or 36 months).
Meet the Deadlines You should get a notice in the mail about your COBRA and Cal-COBRA rights. You have 60 days after being notified to sign up. If you are eligible for Federal COBRA and did not get a notice, contact your employer. If you are eligible for Cal-COBRA and did not get a notice, contact your health plan.
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.