Virginia COBRA Continuation Waiver Letter
Description
How to fill out COBRA Continuation Waiver Letter?
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FAQ
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.
The Virginia mini-COBRA law provides for 12 months of continuation coverage, except in the case of terminations for cause. The employer is required provide an election form within 14 days after the date that coverage would otherwise terminate.
D.C., Maryland, and Virginia all have mini-COBRA laws that apply to employers with fewer than 20 employees. The D.C. mini-COBRA law provides for 3 months of continuation coverage, except in the case of terminations for gross misconduct.
If you waive COBRA coverage during the election period, you must be permitted later to revoke your waiver of coverage and to elect continuation coverage as long as you do so during the election period. Then, the plan need only provide continuation coverage beginning on the date you revoke the waiver.
To be eligible for the continuation coverage, an individual must have been continuously insured under the group policy for the 3 months immediately before the termination of eligibility.
Florida's state continuation or mini-COBRA law provides similar continuation of coverage protection for employees who work for employers with two to 19 employees. Once you elect mini-COBRA coverage, you will pay 100% of the total insurance premium plus a 15% processing fee.
Nothing changes with your health insurance coverage, but now you are responsible for paying the full monthly premium. In addition, you also have to pay a 2% COBRA administration fee. COBRA costs an average of $599 per month.
Did you know there is a continuation provision that applies to Virginia employers NOT subject to COBRA? It's called Virginia State Continuation coverage aka mini-cobra. Employers must notify individuals within 14 days of learning that a person covered under the health plan is no longer eligible for coverage.
§ 15-409. The Virginia mini-COBRA law provides for 12 months of continuation coverage, except in the case of terminations for cause. The employer is required provide an election form within 14 days after the date that coverage would otherwise terminate.
