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COBRA

 

If you leave state employment, the federal Consolidated Omnibus Budget Reconciliation Act (COBRA) provides for continuation of health benefits coverage after your coverage with the state ends. However, certain events must occur for any persons covered under your contract to be eligible.

  COBRA Continuation Coverage Rights

COBRA Premiums

2018 COBRA Health and Dental Monthly Premiums PDF

Health Plans Comparison

Iowa Choice/National Choice Options Side-by-Side Comparison 

Health and Dental Applications

Health Insurance Applications

Delta Insurance Applications

  • Delta Dental PDF  
  • Delta Dental PDF (SPOC-covered only)


COBRA Qualifying Events

Maximum Eligibility Period Beyond Termination

Employee Termination/ Resignation The employee and covered dependents have 18 months of COBRA eligibility. If the employee meets the Social Security Administration’s definition of disabled at any time during the first 60 days of COBRA coverage, the employee and covered dependents have 29 months of COBRA eligibility.
Death or Divorce of Employee The covered dependents have 36 months of COBRA eligibility.
Employee Reduces Work Hours; No Longer Eligible for Coverage The employee and covered dependents have 18 months of COBRA eligibility.
Employee’s Dependent No Longer Eligible (Over age 26, full-time student over age 26 and marries or graduates) The covered dependent has 36 months of COBRA eligibility.
Employee on Active Military Duty The employee and covered dependents have 24 months of COBRA eligibility.

The State’s share of the premium payment for health and dental benefits will cease at the end of the month in which the qualifying events occurs, and you will be responsible for full payment of the premium.

COBRA coverage begins the first of the month following the qualifying event. The COBRA election period is 60 days after the later of:

  • the date coverage would otherwise end, or
  • the date of the COBRA Notification/Election Form.

If your employment ends, DAS will mail a COBRA Notification/ Election Form to you within two weeks following your last paycheck. The notification includes monthly benefit costs and election instructions. In the event of the death of an active employee, the family will receive notice of their COBRA rights. If an employee divorces, reduces hours, or has a dependent that is no longer eligible for coverage, the employee must notify his or her Personnel Assistant within 60 days following the event so that the personnel assistant can send the COBRA information.

NOTE: COBRA rights will not be extended to a Domestic Partner or his/her children, if the relationship terminates, if the employee terminates from state employment, or if the domestic partner’s children have an event that makes them ineligible for employee’s plan.

For More Information:

For questions regarding your particular plan please contact your Human Resources Associate.