Your surviving, divorced or separated spouse who is 55 years old or older Your eligible dependent children. When might my dependents get this coverage? When you and your spouse divorce When you and your spouse legally separate Upon your death. How do my dependents get Oregon state continuation coverage under ORS The general steps are as follows: You or your spouse must notify the plan administrator in writing of a legal separation or divorce within 60 days of the event.
The notice must include the mailing address of your legally separated or divorced spouse. The employer must notify the plan administrator in writing of your death within 30 days of the event. The notice must include the mailing address of your surviving spouse.
Within 14 days of receiving notification of the event, the plan administrator must notify your eligible spouse that continuation coverage is available to elect. The notice must include an election form, premium amount due and method of payment and instructions for returning the election form. Your eligible spouse has 60 days after the date the notice was mailed by the plan administrator to elect.
The initial premium must be paid to the employer within 45 days of the date of election. Who pays for this state continuation coverage? The member must pay the full cost of group health coverage. In addition, a 2 percent administrative fee can be added to the cost of the coverage. The employer or plan administrator must provide the member the cost of the insurance, the date by which premiums must be paid, and the manner in which payment must be provided.
Do I have to continue coverage in order for other family members to get this state continuation? The employee is not eligible for this type of state continuation coverage. The eligible spouse must elect continuation coverage in order for the dependent s to get coverage. How do I get more information about this type of continuation coverage?
Please contact your employer for questions about this type of state continuation coverage. COBRA continuation coverage can become available to you when you would otherwise lose your group health coverage. Employers with 20 or more employees who worked 50 percent of typical business days in the previous year must offer this coverage.
It can also become available to members of your family who are covered under the plan when they would otherwise lose their group health coverage. Beneficiaries are qualified after there has been a qualifying event. A qualified beneficiary is a person who was covered by a group health plan on the day before a qualifying event occurred.
Qualified beneficiaries include you as the subscriber , your spouse or former spouse, your dependent child, or other legal dependents as outlined in your member handbook.
How do I get more information? When you have COBRA continuation coverage, the plan benefits are the same as what you had as an active member under the group health plan. Each qualified beneficiary has independent election rights. This means all family members do not need to make the same coverage elections, and can make separate choices.
Group health insurance coverage for COBRA participants is typically more expensive than health benefits for active employees, since COBRA participants are responsible for paying the entire premium themselves.
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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.
An employee who has had continuous health coverage not necessarily with the same employer for at least three months prior to the date employment or coverage ended. Family members can make different decisions about whether to continue their group coverage.
For example, parents may find more affordable coverage for children under age 19 in the individual non-employer sponsored market. Once notified, the insurer has 10 days to notify you of your eligibility. You have to pay the full price of the state continuation coverage. Most small employer group policies require employees to pay the premiums for state continuation insurance directly to their employers.
Your employer can tell you the cost of the insurance, the date by which you must pay, and the manner in which payment must be provided. Department of Labor at The federal government, churches, and some church-related organizations are not required to offer COBRA. Your employer must provide the same health plan coverage that is available to active employees and their families.
This is usually the same coverage you had prior to the qualifying event. After receiving your notification and COBRA election form, you have 60 days to review the notice and decide. Select the coverage s you need and people you want covered, then return the form. At any time during the election period, if you waive COBRA coverage and later change your mind, you can revoke your waiver and elect the coverage.
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