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COBRA Question and Answer forum for Employers and HR
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There were 70 questions found in this category:
HSA eligibility with a COBRA policy
Q: We have a customer whose son is no longer eligible to be under her health insurance policy. He is now under a COBRA policy of his own. Can you tell me if he is eligible to open a Health Savings Account with us under a COBRA policy? Thank you.A: The COBRA law allows you and your beneficiaries ...
I need information about my 2003-2004 cobra benefits
Q: I need to know my payment history for COBRA coverage between the years of 2003-2004. Also all co-pays for doctor visits and Rx’s. Please help! I need this info. for tax purposes. I am now on social security disability due to kidney disease. I worked for Hewlett Packard for 5 years. If ...
If an employee retires at 65 are they still eligible for COBRA?
Q: I have an employee that is currently age 65 and his last day of work will be 9-28-07 and his medical benefits will end 9-30-2007. If the employee is age 65 at time of termination are they still eligible for Cobra?A: Once an employee becomes entitled to Medicare, he is no longer eligible for C ...
Initial COBRA Form
Q: Where do I find the Initial COBRA Form on this website? Also: I need to send the form to the employee and a separate mailing to his spouse and family correct? How do I mail it to show proof of mailing? A: To access COBRA forms you can: 1. Call your state EBSA (Employee Benefit Security Admi ...
is this a 2nd qualifying event?
Q: My former employee and her spouse have been on COBRA for 12 months. She has a new job and will be getting benefits soon. The spouse says this is a 2nd qualifying event for him and he should get another 18 months of COBRA (total 36). I thought a 2nd qualifying event had to be death of emplo ...
late cobra payments
Q: A former employee has not paid his premiums for his COBRA insurance for several months. I sent a notice that the insurance was being cancelled and he came in and paid the 3 months past due plus the current month. I had already cancelled the coverage for non-payment. Can I keep the premium ...
Layoff vs rehire
Q: We just did a temporary layoff of our employees however will be doing a rehire within 90 days. We are offering Cobra benefits for the layoff period of the 90 days, will the same employees need to wait for the "Open Enrollment" of the company offered benefits or will they simply be able to s ...
Medicare entilitlement and spouse coverge
Q: I have an employee who became medicare eligible in December of 05. He terminated in 6/06 and took cobra for one month with his spouse. His spouse is till on cobra by herself. Is it true that she can have 36 months of cobra fron his entiltilement date?A: A dependent may become entitled to an ...
New Stimulus Information - updated 3/17/09
COBRA: Answers for Employers http://www.irs.gov/newsroom/article/0,,id=204708,00.html Under the American Recovery and Reinvestment Act of 2009, certain individuals who are eligible for COBRA continuation health coverage, or similar coverage under state law, may receive a subsidy for ...
non payment from client
Q: Can you please tell me what we are to do when we do not receive payment from an ex employee for their Cobra benefits. Are we required to continue paying for their benefits, if so, how long before we can terminate them for non payment? What is constituted as a timely manner? A: Here are the li ...
Notifying the spouse of their COBRA rights
Q: When an employee notifies us of a divorce and we are to send COBRA information to the spouse (who is not employed with us) is it our responsibility to track them down to find a correct address or can we use the address on file to send COBRA information?A: It is the employer's responsibilit ...
REFUNDING COBRA PREMIUMS
Q: We have a cobra participant who termed 12/1/07. She elected and paid for only December premiums on 2/4/08. She now wants a refund of her December cobra premiums as she now doesn't want the coverage. We told her no however she keeps emailing us threatening an attorney. Does the COBRA law have ...
reinstating dropped coverage during 60 day election period
Q: I was married 10/27. I was terminated 10/31. Initially, I was told I would be covered for both medical and dental under my husband's plan. Then I learned that I am ineligible for dental coverage under his plan. I contacted my former company's benefits in less than 30 days from my termination ...
Section 125 Cafeteria Plans
Q: One of our employees is retiring and is currently subscribing to a Section 125 Cafeteria Plan and this is being paid for through payroll deduction. Do I need to offer the continuation of this coverage through COBRA after she retires? Thank you.A: A 125 Cafeteria plan allows employee's put a ...
Termination of Employee
Q: We are getting ready to terminate an employee that has been with the company for a little over a year. Our company has 6 full time employees and 3 on contract labor. We have group medical insurance. Are we required by law to offer the COBRA insurance? Can we supply it as a courtesy? I Is th ...
The employee declined COBRA and then changed his mind?
Q: The employee declined COBRA when 1st letter sent; employer had to send 2nd letter as they forgot to add Vision; employee now wants to hold to the date of the 2nd letter and opt for his COBRA rights. Can he do this? Also, the employee claims he never got notices as they were forwarded to the ...
The Federal Stimulus Package: Help with Health Insurance Premiums
The Federal Stimulus Package: Help with Health Insurance Premiums The federal government's economic stimulus package includes money to provide short-term help paying health insurance costs for those who recently lost jobs or who will lose jobs in coming months. What is it? The subsidy program ...
waiver of cobra
Q: Hello, I have an employer who had an employee terminate covrerage on 12/18/08. She waived Cobra, then went to the doctor, they found a lump somewhere, now she wants to re-elect Cobra. Will that service/claim be covered or will she have to pay in full? And then when would her Cobra actually st ...
What are the penalties if our company has failed to comply with the COBRA law?
Q: What are the penalties if our company has failed to comply with the COBRA law?A: The penalties for not complying with the COBRA law are listed below:* The IRS can charge you $100 tax per day of non compliance per person or $200 tax per day per family. * If the IRS has chosen to audit you an ...
What happens if an employee does't make the 1st COBRA payment?
Q: I have an employee that has followed the guidelines to the letter of the cobra law. However, he still has not made his payment but has time left. The carrier he is insured with will only go back 60 days to terminate someone out of their system. When my employee fails to make his payment (I am ...
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