Employee’s guide to COBRA –
Department of Labor

employees guide to COBRA

*********

Art Gallagher Consulting Guide

COBRA Continuation Coverage?
Who Is Entitled
COBRA Rights and Responsibilities:
Notice and Election Procedures
Benefits
Duration
Summary of Qualifying Events,
Qualified Beneficiaries
Paying for it

Our Webpage on COBRA    *    Cal COBRA 

Get Individual Guaranteed Issue ACA/Obamacare Quotes - Subsidies if you make less than 600% of Federal Poverty Level!  

No Pre X Clause!

No wait for Open Enrollment as you get Special Enrollment when you lose COBRA or your Employer Group Plan!

Get FREE Instant California  Quotes - Including Tax Subsidy Calculation - Guaranteed Issue - No Pre-X Claus

Get FREE Instant Quotes - Including Tax Subsidy Calculation - Guaranteed Issue - No Pre-X Clause

What happens if my EmployER sells the business?

Does the NEW owner have to cover my COBRA?

Simply put, the answer is YES, even if it’s just a sale of assets.  See details and examples in the Code of Federal Regulations  § 54.4980B-9 (pdf) with our markup and annotations.

Check out HIPAA when COBRA expires and please note that if COBRA and/or Cal COBRA is not available or ends early, a letter from the Employer is required, as COBRA must be exhausted to get HIPAA as shown in the  Blue Shield HIPAA Package Page 21
HIPAA Paperwork Required

Attorney Explanations

Don’t pick up COBRA (pdf)

Fox Rothchild.com

haynes boone.com

Technical Links

Blue Shield EmployER application – COBRA questions

Blue Shield Procedures to change EmployER name or ownership

Controlled Groups – Common Ownership §414

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