COBRA
Are you leaving employment with the County of Riverside? Getting divorced? Is your child no longer eligible for benefits? These are a few of the reasons you may need to continue your health care coverage or other benefits.
COBRA (Consolidated Omnibus Budget Reconciliation Act) is a federally mandated program that allows you to continue your medical, dental, and vision benefits based on the following qualifying events:
- termination of employment (for reasons other than gross misconduct),
- reduction in number of hours of employment which affects benefit eligibility,
- divorce or legal separation,
- employee's death (for eligible dependents),
- child ceases to be eligible for coverage under the plans
COBRA provides extended health benefits coverage after loss of coverage situations. The County will send a COBRA election notification at the time of loss of coverage by an employee or dependent.
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COBRA (Consolidated Omnibus Budget Reconciliation Act) allows you or a dependent covered under medical, dental, vision, and/or health care Flexible Spending Accounts benefits to continue coverage when it is lost due to any of the following qualifying status changes:
- Termination of employment (for reasons other than gross misconduct)
- A reduction in the number of hours of employment that affects benefits eligibility
- Divorce or legal separation/termination of same-sex domestic partnership
- Employee’s death (for eligible dependents)
- Child ceases to be eligible for coverage
Subscribers pay the full COBRA rate on their own; the County of Riverside makes no contribution towards enrollment. For current plan rates review the current 2024 COBRA Rate Sheet
|
Qualifying Event |
Qualified Beneficiaries |
|
Maximum Coverage Continuation Period |
18 Months |
• Employee’s termination • Employee’s reduction in hours or type of employment that effects benefits plan eligibility |
• Employee • All covered dependents |
36 Months |
• Employee’s divorce or legal separation/termination of same-sex domestic partnership • Employee’s death • Employee’s entitlement to Medicare benefits
|
• All covered dependents |
|
36 Months |
• Loss of eligibility for a dependent child who reaches the limiting age
|
• Eligible covered dependent children |
|
Termination of COBRA |
COBRA coverage will cease on the last day of the month in which a Qualified Beneficiary: • Reaches the maximum coverage period • Fails to submit a premium payment • Becomes eligible for Medicare |