Benefits for 2024 Legal Notices
COBRA
For all other qualifying events (divorceor legal separation ofthe employee and spouse or a dependent child’s losing eligibility for coverage as a dependent child), you must notify the Plan Administrator within60 after the qualifying event occurs. You
must provide this notice to the plan administrator
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 willhave 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 periodof coverage,
maypermita beneficiary to receive a maximumof 36 monthsof coverage.
There are also ways in which this 18-monthperiod of COBRA continuation coverage can be extended:
Disability extension of18-monthperiod ofCOBRAcontinuationcoverage
If you or anyone in your familycovered under the Plan is determined by Social Securityto 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, fora maximumof29 months. Thedisabilitywould have tohave startedatsometimebefore the 60th dayof
COBRA continuationcoverageandmustlastatleastuntiltheendofthe18-monthperiodofCOBRAcontinuationcoverage.
Second qualifying event extension of 18-month period of continuation coverage
If your familyexperiences another qualifying event during the 18 months of COBRA continuation coverage, the spouse and dependent
children in your familycan get up to 18 additional months of COBRA continuation coverage, for a maximumof 36 months, if thePlan is
properlynotified about the second qualifying event. Thisextension maybe 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 firstqualifying event not occurred.
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.
2024 Employee Benefit Guide
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