When Coverage Continues (COBRA)

 

Termination

 

Dependents Who Are No Longer Eligible

 

Divorce or Legal Separation

 

Death of a Covered Employee/Retiree

 


 

Termination

 

Should you terminate your employment with the County and you are not eligible to participate in another group plan, you may continue your coverage at the group rate at your expense for up to 18 months or until you are covered under another group health or dental plan, whichever occurs first.

 

This coverage also includes the coverage of your dependents as long as you pay the full premium, i.e. both your premium and the employer's portion of the premium. These premiums cannot exceed 102% of the total cost for active employees under the plan. Premiums must be paid by the 15th of the month preceding the covered month to Ceridian, Milwaukee County's COBRA administrator. Failure to make payment within 45 days of the due date will result in termination of coverage.

 

In order to continue your health and/or dental insurance you must elect in writing to continue the coverage. You will be provided the necessary forms by Ceridian. The above continuation also applies to employees who would normally lose coverage due to a change in employee eligibility. You also can continue your coverage based upon the above provisions.

 

You cannot continue coverage if you are discharged for gross misconduct.

 

Continuation of coverage will be discontinued by Ceridian if you or your dependent becomes covered under any other group health or dental plan as an employee, a spouse, or a dependent.

 

You received notification of your continuation rights when you were enrolled in the health and dental plan. Keep these with your other important papers. [top]

 

Dependents Who Are No Longer Eligible

 

Your dependents are no longer eligible for coverage once they no longer meet the support and/or age requirement for the self-insured indemnity plan. The employee must notify the Benefits Division within 30 days of the onset of lost coverage that a dependent no longer qualifies for health and/or dental coverage. The Benefits Division must then notify your dependent in writing of his/her rights to continue coverage of the medical plan for up to 36 months. Upon such notification, the dependent has 60 days to elect to continue coverage.

 

The dependent must elect in writing to continue coverage. All premiums are paid by your dependent once an election is made. These premiums cannot exceed 102% of the total rate for active employees. Coverage ceases after 36 months or if your dependent qualifies under another group health or dental plan as an employee, a spouse, or a dependent.

 

Should another qualifying event occur while your dependent is currently continuing his coverage, the total period of continuation will not exceed 36 months. Each qualified dependent has a separate election to continue coverage.

 

Premiums must be paid by the 15th of the month preceding the covered month to Ceridian, Milwaukee County's COBRA administrator. Failure to make payment within 45 days of the due date will result in termination of coverage.

 

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Divorce or Legal Separation

 

The employee must notify the Benefits Division within 30 days of the onset of lost coverage in the event of a divorce or legal separation. Ceridian must then notify your spouse in writing of his/her rights to continue coverage of the medical or dental plan for up to 36 months. Upon such notification, the employee or spouse has 60 days to elect to continue coverage.

 

The spouse must elect in writing to continue coverage. All premiums are paid by your spouse once an election is made. These premiums cannot exceed 102% of the total rate for active employees. Coverage ceases after 36 months or if your spouse qualifies under another group health or dental plan as an employee, a spouse or a dependent.

 

All payments are due to Ceridian by the 15th of the month preceding coverage. Failure to make payment within 45 days of the due date will result in termination of coverage.

 

Should another qualifying event occur while your former spouse is currently continuing coverage, the total period of continuation will not exceed 36 months. [top]

 

Death of a Covered Employee/Retiree

 

In the event of your death and if your dependents do not receive survivor benefits from the retirement plan, they then can elect to continue coverage under your health and/or dental plan. They must pay the premiums Ceridian by the 15th of the month preceding coverage. Failure to make Payment within 45 days of the due date will result in the termination of the coverage. The premiums cannot exceed 102% of the total cost for active employees under the plan. Your dependents can elect this coverage for up to 36 months or until they qualify under another group plan.

 

Ceridian will notify your dependents in writing within 14 days of receiving notice of your death. Your dependents must elect to continue coverage in writing. Your dependents have up to 60 days to elect such coverage. As long as they make back payments, for any lag in time, the coverage will be in force from the date it would have terminated had they not elected to continue your coverage. [top]

 


 

 

Milwaukee County is an equal opportunity/affirmative action employer that is actively seeking qualified applicants for various positions throughout County government. Milwaukee County does not discriminate based on age, ancestry/national origin, arrest/conviction record, color, creed, disability, marital status, military membership, race, sex or sexual orientation. If special accommodations are needed, please contact 414-278-4143.

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