Benefits for 2025
Tacodeli
Legal Notices
How is COBRA continuation coverage provided?
Once the Plan Administrator receives notice that a qualifying event has occurred, COBRA continuation coverage will be
offered to each of the qualified beneficiaries. Each qualified beneficiary will have an independent right to elect COBRA
continuation coverage. Covered employees may elect COBRA continuation coverage on behalf of their spouses, and
parents may elect COBRA continuation coverage on behalf of their children.
COBRA continuation coverage is a temporary continuation of coverage that generally lasts for 18 months due to
employment termination or reduction of hours of work. Certain qualifying events, or a second qualifying event during the
initial period of coverage, may permit a beneficiary to receive a maximum of 36 months of coverage.
There are also ways in which this 18-month period of COBRA continuation coverage can be extended:
Disability extension of 18-month period of COBRA continuation coverage
If you or anyone in your family covered under the Plan is determined by Social Security to be disabled and you notify the
Plan Administrator in a timely fashion, you and your entire family may be entitled to get up to an additional 11 months of
COBRA continuation coverage, for a maximum of 29 months. The disability would have to have started at some time before
the 60th day of COBRA continuation coverage and must last at least until the end of the 18-month period of COBRA
continuation coverage.
Second qualifying event extension of 18-month period of continuation coverage
If your family experiences another qualifying event during the 18 months of COBRA continuation coverage, the spouse and
dependent children in your family can get up to 18 additional months of COBRA continuation coverage, for a maximum of
36 months, if the Plan is properly notified about the second qualifying event. This extension may be available to the spouse
and any dependent children getting COBRA continuation coverage if the employee or former employee dies; becomes
entitled to Medicare benefits (under Part A, Part B, or both); gets divorced or legally separated; or if the dependent child
stops being eligible under the Plan as a dependent child. This extension is only available if the second qualifying event
would have caused the spouse or dependent child to lose coverage under the Plan had the first qualifying event not
occurred.
Are there other coverage options besides COBRA Continuation Coverage?
Yes. Instead of enrolling in COBRA continuation coverage, there may be other coverage options for you and your family
through the Health Insurance Marketplace, Medicare, Medicaid, Children’s Health Insurance Program (CHIP) , or other group
health plan coverage options (such as a spouse’s plan) through what is called a “special enrollment period.” Some of
these options may cost less than COBRA continuation coverage. You can learn more about many of these options at
www.healthcare.gov .
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This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.
2025 Employee Benefit Guide
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