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COBRA
Information and Resources
If you're
interested in learning more about COBRA Continuation Health Coverage or
VIPER® affordable COBRA alternatives, you've come to the right place. VIPER®
Health Insurance is the industry standard alternative to COBRA, and the
industry leading information site on COBRA Continuation Health Coverage.
This website is jam-packed with useful information, FAQs, articles,
resources, and services geared to help employees better understand their
rights and the laws pertaining to COBRA Continuation Health Coverage.
About COBRA
Coverage & Information on Electing Coverage
How do I find out about COBRA coverage and how do I elect to take it?
Employers or health plan administrators must provide an initial general
notice if you are entitled to COBRA benefits. You probably received the
initial notice about COBRA coverage when you were hired.
When you are no longer eligible for health coverage, your employer has to
provide you with a specific notice regarding your rights to COBRA
continuation benefits.
Employers must notify their plan administrators within 30 days after an
employee's termination or after a reduction in hours that causes and
employee to lose health benefits.
The plan administrator must provide notice to individual employees of their
right to elect COBRA coverage within 14 days after the administrator has
received notice from the employer.
You must respond to this notice and elect COBRA coverage by the 60th day
after the written notice is sent or the day health care coverage ceased,
whichever is later. Otherwise, you will lose all rights to COBRA benefits.
Spouses and dependent children covered under your health plan have an
independent right to elect COBRA coverage upon your termination or reduction
in hours. If, for instance, you have a family member with an illness at the
time you are laid off, that person alone can elect coverage.
COBRA information and Frequently Asked Questions FAQs
Learn more about COBRA continuation of health insurance
by selecting a link below.
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