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LegalCornerTM - Cal Cobra Health Insurance F.A.Q.'s

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Q.What does the Cal-COBRA provide and how long does it last?

A.Cal-COBRA requires that eligible employees, and their spouses and dependant children, receive the same health insurance benefits that the employer provides to its current work force. Cal-COBRA is typically used to continue employer-sponsored health insurance coverage for 36 months after a qualifying event.

During the first 18 months of the 36 month period, the employee is required to pay 110% of the total health insurance premium (which may have been paid, in whole or in part, by the employer). As of January 1, 2003, Cal-COBRA coverage was extended from 18 months to 36 months. During the 18 month extension period, the individual is required to pay 102% of the premium payment.

Covered employees who are 60 years or older when they become eligible for Cal-COBRA and who have worked for the employer for at least 5 years may continue their Cal-COBRA coverage until Medicare eligible.

If an employee is determined to be disabled by the Social Security Administration, Cal-COBRA can be extended from 18 months to 29 months. However, the covered employee in such an instance would be required to pay 150% of the total health insurance premium for the additional 11 month extension period.

Anyone starting COBRA or Cal-COBRA after January 1, 2003 must use all 36 months of eligibility to qualify for HIPAA Guaranteed-Issue or Conversion coverage.

Copyright 1999-2018 Melissa C. Marsh. All Rights Reserved. All Information on this website is subject to a Disclaimer and Use Agreement. This information is provided as general information only and should not be construed as legal advice. We advise you to seek the advice of competent legal counsel to address your own specific questions, facts and circumstances.