When Coverage Stops



 When Coverage Ends:








If your Employment Terminates:

  • Your County benefits for you and your dependents stops on the last day of the month following the month in which you terminate employment; with some exceptions.- (Your union contract provisions govern this date.)

  • You may, however, continue coverage under health or dental plans at your expense under Federal COBRA Law for a period of 18 months or until you become eligible to participate with no restrictions for pre-existing conditions under a medical or dental plan of another employer, whichever comes first.


This also applies if:

  •  You transfer from an eligible employee classification to an ineligible employee classification within the County.


Unpaid Leave:

  • You may continue coverage under health or dental plans at your expense if - You are placed on certain unpaid absence leaves.

  • Your County health insurance may apply for a period of one year to eligible employees who exhaust their sick leave because of illness and must take a leave of absence without pay.


  •   One year limitation period:

  • Limitation period will begin on the first day of the month following that in which the leave of absence begins.

    • An employee must return to work for a period of sixty (60) calendar days with no absences for illness related to the original illness in order for a new 1-year limitation to commence.

    • Limitation period also includes approved medical leave for State or Federal or unpaid leave of absence for employees covered by Workers Compensation.

    • Premiums for the employee portion of your benefits will go into arrears - Compiling until your return from a leave of absence. 

    • Upon return, your premiums will commence and double the deduction will be taken until the arrears balance is repaid. 

  • If you do not wish to have deductions in arrears:

  • You may go on COBRA and pay the entire premium for your benefits during your absence.- (Employee and County portion)

  • Employees who are on a leave of absence due to Suspension Without Pay will be billed the employee portion of their benefits until the employee returns from the leave of absence or employment is terminated. 

    • If payment is not received, the employee's benefits will be terminated and COBRA will be offered.


This site is powered by the Northwoods Titan Content Management System