http://cobrainsurance.com/help en-us http://cobrainsurance.com/help ActiveKB NX admins@cobrainsurance.com Fri, 20 Nov 2009 21:50:44 EST 20 http://cobrainsurance.com/help/questions/37/ Q: How do I know if my business has to offer COBRA?A: Most employers that do offer group health plans are required to comply with COBRA. Here is a list of those employers who do not have to com ... Jenny H Fri, 13 Apr 2007 14:48:00 EDT http://cobrainsurance.com/help/questions/38/ Q: How do I know if my business has to offer COBRA?A: Most employers that do offer group health plans are required to comply with COBRA. Here is a list of those employers who do not have to com ... Jenny H Fri, 13 Apr 2007 14:48:18 EDT http://cobrainsurance.com/help/questions/39/ 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 ... Jenny H Tue, 17 Apr 2007 12:56:35 EDT http://cobrainsurance.com/help/questions/40/ Q: As an employer, what is my best protection against a law suit?A: Documentation and keeping records that demonstrate proper COBRA compliance is your best protection. If you need assistance you ... Jenny H Tue, 17 Apr 2007 14:27:23 EDT http://cobrainsurance.com/help/questions/41/ Q: What is my role as the COBRA Administrator?A: Your role is to properly record, track and administer the many steps needed to comply with the law. The process can be complex. If you neglect y ... Jenny H Tue, 17 Apr 2007 15:40:42 EDT http://cobrainsurance.com/help/questions/42/ Q: When should an employee be notified of their COBRA rights?A: All participants and their beneficiaries of the group health plan must be informed about their COBRA rights when they are first c ... Jenny H Tue, 17 Apr 2007 15:12:47 EDT http://cobrainsurance.com/help/questions/43/ Q: How long of a time frame do I have to give notice of a qualifying event to my administrator?A: As an employer you are allowed up to 30 days from the qualifying event to notify the administra ... Jenny H Tue, 17 Apr 2007 15:26:16 EDT http://cobrainsurance.com/help/questions/44/ Q:What is the Federal Government's role in COBRA? A: COBRA continuation coverage laws are administered by several agencies. The Departments of Labor and Treasury have jurisdiction over private- ... Jenny H Tue, 17 Apr 2007 15:39:35 EDT http://cobrainsurance.com/help/questions/45/ Q: As an employer, what coverage do I need to offer?A: Generally, the continuation coverage must be the same health benefits the qualified beneficiary had the day before the qualifying event. Th ... Jenny H Wed, 23 May 2007 15:08:41 EDT http://cobrainsurance.com/help/questions/56/ The Basics you need to know: · COBRA Insurance is not a company. It is a Law. · COBRA Insurance through your former employer is Very Expensive. You are now resp ... Shannon K Mon, 14 Apr 2008 12:40:39 EDT http://cobrainsurance.com/help/questions/57/ Q A client has been terminated and federally investigated for gross misconduct and pending charges is he qualified for cobra??A: Although illegal or dangerous acts committed in the workplace are ... Jenny H Thu, 19 Apr 2007 15:46:45 EDT http://cobrainsurance.com/help/questions/58/ Q: Hello, I have an employee's x-wife that is covered by COBRA under group health insurance. I am in the process of changing medical carriers for this group and move regular active employees as ... Patty Arreguin Tue, 13 Nov 2007 17:18:26 EST http://cobrainsurance.com/help/questions/66/ 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 thi ... Jenny H Mon, 23 Apr 2007 15:50:24 EDT http://cobrainsurance.com/help/questions/67/ Q: Where can I find Cobra Forms? General Notice, Election Notice, etc.. A: To access COBRA forms you can: 1. Call your state EBSA (Employee Benefit Security Administration) office. You can find ... Jenny H Mon, 23 Apr 2007 16:33:20 EDT http://cobrainsurance.com/help/questions/78/ 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 befo ... Jenny H Thu, 26 Apr 2007 16:08:58 EDT http://cobrainsurance.com/help/questions/110/ Q: How long can we make COBRA insurance available to an ex employee? We want to make the insurance available for approx 5 years. Is this a COBRA issue?A: The COBRA law states that the continuato ... Jenny H Fri, 04 May 2007 11:57:55 EDT http://cobrainsurance.com/help/questions/138/ 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 bac ... Patty Arreguin Tue, 08 May 2007 16:30:58 EDT http://cobrainsurance.com/help/questions/175/ Q: I have a employee that will be on workers' comp disability for 3 months. this would result in a lost or reduction of hours. must he be put into cobra to maintain his health insurance, Is there ... Patty Arreguin Mon, 21 May 2007 16:37:25 EDT http://cobrainsurance.com/help/questions/183/ Q: We have several employers who offer an HSA with their Health Plans. If an employee elects COBRA, does the employer need to continue to apply the HSA monies if the employee stays on the HSA p ... Patty Arreguin Fri, 21 Dec 2007 11:13:34 EST http://cobrainsurance.com/help/questions/220/ Q: As an employer--I have an employee that has a child turning 25 and wants this child to be put on cobra--Can this child once on cobra affect my premiums for the next renewal period due to his us ... Patty Arreguin Thu, 07 Jun 2007 12:27:35 EDT http://cobrainsurance.com/help/questions/244/ Q: If an employee voluntarily terminates their health coverage that the company offers, Do we have to offer cobra?A: If an employee or dependent is covered on the group health insurance the day ... Patty Arreguin Fri, 15 Jun 2007 17:20:05 EDT http://cobrainsurance.com/help/questions/273/ Q: One of our previous employees has exhausted her 18 months on COBRA and would like to continue coverage under COBRA for her dependent only (dependent was covered during the first 18 months). C ... Patty Arreguin Fri, 22 Jun 2007 14:49:22 EDT http://cobrainsurance.com/help/questions/304/ 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 Saving ... Jenny H Wed, 11 Jul 2007 16:02:43 EDT http://cobrainsurance.com/help/questions/327/ Q: There is an employee that has already been terminated. He and his family are on COBRA already (for about 8 months now). They are getting a divorce. The ex-wife would be able to continue cover ... Patty Arreguin Fri, 05 Oct 2007 13:01:11 EDT http://cobrainsurance.com/help/questions/329/ Q: An Employee's employment terminated on June 30 due to an illness. On July 6 the employee died. Does company have to offer Cobra to employee for those first 6 days of July even if employee is ... Patty Arreguin Thu, 19 Jul 2007 17:48:44 EDT http://cobrainsurance.com/help/questions/348/ 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 ... Jenny H Tue, 24 Jul 2007 14:38:53 EDT http://cobrainsurance.com/help/questions/351/ 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 ... Patty Arreguin Tue, 24 Jul 2007 15:24:13 EDT http://cobrainsurance.com/help/questions/385/ . Q: The COBRA applicant wants to cover her husband. He has other medical insurance. . Can he be covered on her COBRA? A: An employee and their dependents are not allowed COBRA continuation ... Patty Arreguin Tue, 07 Aug 2007 11:59:49 EDT http://cobrainsurance.com/help/questions/408/ Q: I have an ex employee that claims to have paid July and I have no record of it, when I asked the ex employee for proof of July pmt or I would have to terminate coverage, she absolutely refuses ... Jenny H Sun, 26 Aug 2007 22:54:51 EDT http://cobrainsurance.com/help/questions/426/ Q: I have a client that was covered on the group medical plan as a couple. He was the employee and he died- he and his wife are over 65 and have Medicare part A&B. Is she eligible for COBRA for ... Jenny H Thu, 30 Aug 2007 23:22:36 EDT http://cobrainsurance.com/help/questions/462/ Q: I have an employee who was laid off because we are closing an office. The employee will have another job beginning immediately after the lay off. There is no lapse in insurance coverage, bu ... Patty Arreguin Thu, 04 Oct 2007 12:16:12 EDT http://cobrainsurance.com/help/questions/509/ 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 ... Patty Arreguin Fri, 21 Sep 2007 09:28:53 EDT http://cobrainsurance.com/help/questions/559/ Q: An ex-employee did not elect COBRA. However, his spouse did. Can the ex-employee elect to go onto COBRA, during the employer's open enrollment period? If not, can the spouse on COBRA, change ... Patty Arreguin Fri, 12 Oct 2007 17:06:58 EDT http://cobrainsurance.com/help/questions/666/ Q: When should the employer give the information about cobra to a employee after they resign?A: COBRA law allows the employer up to 45 days from the last day of group benefits to mail the COBR ... Patty Arreguin Thu, 15 Nov 2007 16:48:59 EST http://cobrainsurance.com/help/questions/667/ Q: As an employer, are we obligated to provide the COBRA option to an employee we know is incarcerated? Logistically, we don't have the address or know how to reach him. Do we mail the notice ... Patty Arreguin Thu, 15 Nov 2007 17:11:07 EST http://cobrainsurance.com/help/questions/676/ Q: As an employer, can administrative fees be added to the amount that an ex-employee pays for continuing medical coverage? If yes, is the maximum chargeable amount a flat fee or a percentage o ... Patty Arreguin Tue, 20 Nov 2007 13:03:39 EST http://cobrainsurance.com/help/questions/694/ I am the employer requesting information to provide to the subscriber. Subscriber exhaused Cobra coverage and he was denied coverage while in the process of applying for new coverage. I was just i ... Patty Arreguin Wed, 05 Dec 2007 10:14:43 EST http://cobrainsurance.com/help/questions/703/ Q: Our company has a bundled package for our employees health insurance to include medical, RX dental and vision. One employee that got caught up in a "downsizing" wants to choose just the medi ... Patty Arreguin Thu, 06 Dec 2007 13:29:11 EST http://cobrainsurance.com/help/questions/704/ 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 ... Patty Arreguin Thu, 06 Dec 2007 15:23:46 EST http://cobrainsurance.com/help/questions/752/ Q: Is there a starndard form letter to go along with the election form tha I can use for offering our employees upon termination for cobra? A: To access COBRA forms you can: 1. Call your state ... Patty Arreguin Thu, 20 Dec 2007 12:18:26 EST http://cobrainsurance.com/help/questions/801/ 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 addre ... Patty Arreguin Thu, 10 Jan 2008 15:49:39 EST http://cobrainsurance.com/help/questions/817/ Q: An employee originally applied for Medical, Dental, & Vision Coverage. After 3 months, the COBRA member decides to drop Medical Cobra Coverage (not paying for it), but does keeps the Dental ... Patty Arreguin Wed, 16 Jan 2008 17:38:28 EST http://cobrainsurance.com/help/questions/839/ Q: If a former employee is on COBRA continuation, must the employer continue to offer EAP services too. A: Generally, the continuation coverage must be the same health benefits the qualified bene ... Patty Arreguin Wed, 23 Jan 2008 16:49:19 EST http://cobrainsurance.com/help/questions/845/ Q: An employee is terminated and elects COBRA plan. What length of time is the employer health plan account still identified with that empolyee. Or how does an employee's COBRA status effect the ... Patty Arreguin Thu, 24 Jan 2008 16:36:12 EST http://cobrainsurance.com/help/questions/866/ Q: Can COBRA papers be handed directly to an employee during an exit interview, or do they always need to be mailed out?A: COBRA law requires the employers or their COBRA plan administrartor to ... Patty Arreguin Thu, 31 Jan 2008 17:29:53 EST http://cobrainsurance.com/help/questions/889/ Q: When someone with single coverage goes on COBRA and they then have a baby, do they then need to pay for family insurance to have the baby covered? If they can have the baby covered under the ... Patty Arreguin Tue, 05 Feb 2008 12:08:57 EST http://cobrainsurance.com/help/questions/958/ 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 ... Patty Arreguin Thu, 28 Feb 2008 15:03:42 EST http://cobrainsurance.com/help/questions/1017/ 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 co ... Patty Arreguin Tue, 18 Mar 2008 13:57:33 EST http://cobrainsurance.com/help/questions/1038/ Q: If an employee does not have sufficient funds in their account to make a payment (i.e. their check was returned as Non Sufficient Funds) can we cancel the employee's Cobra coverage? A: By ... Patty Arreguin Thu, 20 Mar 2008 13:06:52 EST http://cobrainsurance.com/help/questions/1055/ Q: One of our employees is leaving for a new job. Benefits there will not be in effect for 90 days. We have offered COBRA. Because of the cost involved, if she does not elect it prior to leaving ... Patty Arreguin Fri, 04 Apr 2008 15:47:11 EST http://cobrainsurance.com/help/questions/1057/ 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 ... Patty Arreguin Fri, 04 Apr 2008 16:35:37 EST http://cobrainsurance.com/help/questions/1073/ Q: I have an employee who is commission paid and is over 60+ days past due on his premium. A request to cancel his medical coverage retro-actively 30-days was faxed to the carrier yesterday. I w ... Patty Arreguin Wed, 09 Apr 2008 15:52:36 EDT http://cobrainsurance.com/help/questions/1133/ 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 p ... Patty Arreguin Thu, 24 Jul 2008 16:35:37 EDT http://cobrainsurance.com/help/questions/1153/ Q: As an employer, do we have to continue COBRA coverage for an ex-employee who was found by a judge to have been fired rightfully for gross misconduct? She is on our COBRA plan right now howe ... Josh Oertel Tue, 12 Aug 2008 16:16:06 EDT http://cobrainsurance.com/help/questions/1165/ Q: One of our employee’s is now on Cobra until July 31. Our open enrollment is September 1. She will like to keep her Cobra until it ends July 31 and enroll on the company's policy starti ... Josh Oertel Sun, 31 Aug 2008 21:20:50 EDT http://cobrainsurance.com/help/questions/1169/ Q: We have an Employee who just became eligible for our Group Health Plan. We sent her application to the Health Care Provider. Following her probationary performance review, we have decided to ... Josh Oertel Sun, 31 Aug 2008 21:40:41 EDT http://cobrainsurance.com/help/questions/1173/ Q: If a terminated employee who has selected COBRA for the Dental coverage goes to a new employer who has medical and basic dental coverage can the terminated employee retain the COBRA Dental c ... Josh Oertel Wed, 03 Sep 2008 15:11:37 EDT http://cobrainsurance.com/help/questions/1187/ 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 in ... Josh Oertel Fri, 03 Oct 2008 16:51:49 EDT http://cobrainsurance.com/help/questions/1188/ 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 ne ... Josh Oertel Fri, 03 Oct 2008 17:11:20 EDT http://cobrainsurance.com/help/questions/1211/ 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 cove ... Josh Oertel Fri, 05 Dec 2008 11:15:26 EST http://cobrainsurance.com/help/questions/1273/ 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 tha ... Patty Arreguin Thu, 12 Feb 2009 14:21:12 EST http://cobrainsurance.com/help/questions/1301/ Q: What is the time frame for the new Cobra stimulus package? A: The law is so new that many human resource managers likely won’t know how to implement the change until guidelines are rel ... Robin Unger Wed, 18 Feb 2009 14:27:46 EST http://cobrainsurance.com/help/questions/1303/ Q: Employee Eligibility - Who is eligible to get the Cobra with the new law in effect? A: Individuals who have been involuntarily terminated between September 1, 2008 and December 31, 2009 wit ... Robin Unger Wed, 18 Feb 2009 14:35:31 EST http://cobrainsurance.com/help/questions/1313/ Q::We have an employee who failed to notify us of her divorce, which occurred over one year ago. Per the Cobra law, the employee has 60 days from the date of divorce to notify the employer. The sp ... Robin Unger Mon, 23 Feb 2009 12:07:52 EST http://cobrainsurance.com/help/questions/1314/ Q: Who is eligible for Cobra? A: The following chart shows the specific qualifying events, the qualified beneficiaries who are entitled to elect continuation coverage, and the maximum period o ... Robin Unger Mon, 23 Feb 2009 12:39:02 EST http://cobrainsurance.com/help/questions/1324/ 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 ... Robin Unger Fri, 06 Mar 2009 10:16:57 EST http://cobrainsurance.com/help/questions/1349/ 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 a ... Robin Unger Wed, 25 Mar 2009 09:27:17 EST http://cobrainsurance.com/help/questions/1351/ U.S. Department of LaborEmployee Benefits Security AdministrationFebruary 26, 2009 The American Recovery and Reinvestment Act of 2009 (ARRA) provides for premium reductions and ... Robin Unger Wed, 25 Mar 2009 09:33:00 EST http://cobrainsurance.com/help/questions/1352/ Q1: What is the new COBRA subsidy provision contained in the stimulus package signed by the President?The stimulus package, which was enacted as the American Recovery and Reinves ... Robin Unger Wed, 25 Mar 2009 09:37:14 EST http://cobrainsurance.com/help/questions/2413/ Q: I am covered by Medicare but would like to find coverage for my wife (57) and my step-daughter (27). I am searching for price quotes and would want to use COBRA as help. A: Cobra is not a ... Allie Gross Thu, 15 Oct 2009 19:05:38 EDT