Your eligibility terminates because you are no longer working the required hours to maintain
eligibility under the Plan. This event would qualify you to continue coverage under COBRA by
making a self-payment.
A qualified participant is entitled to 18 months, or up to 36 months under Cal-COBRA if enrolled in Kaiser or UnitedHealthcare, of continued coverage if the qualifying event is
termination of employment or a reduction of employment hours. This may be extended 11 months
if you are considered disabled under the Social Security Act. Any other qualifying event increases
the available coverage term for qualified beneficiaries to 36 months (maximum). Refer to the
"Qualifying Events" section in the Summary Plan Description.
Yes, provided they are eligible dependents, as defined by the Plan. Refer to section "Eligible Dependents" for a complete description of eligible
dependents. Also, children born or adopted during the period of continuation coverage are
considered dependents, the same as those of active eligible employees. (However, this applies only
if the covered employee elects COBRA coverage during the election period and enrolls the new
child upon birth or adoption.)
A shift from active to retiree coverage is an open enrollment right, and you have the same rights
that an active employee receiving coverage through employment is entitled to. On this basis,
COBRA serves as a bridge to retiree coverage.
Under the COBRA law, the Trustees are permitted to base the self-payment on a formula, which is
the Plan cost plus 2% for administration. For example, if you are covered under either Kaiser or
UnitedHealthcare, your monthly COBRA payment for continuation coverage is based on the applicable
HMO premium cost, and prescription drug cost, plus 2% for administration. Note, for a disabled
qualified participant, the premium for months 19 through 29 may be no more than 150% of the
applicable non-COBRA premium.
The Board of Trustees have instituted a temporary pilot program, whereby the Health Fund will
subsidize a portion of your COBRA payments for the first three (3) consecutive months of
continuation coverage. Certain participants and beneficiaries are not eligible for the subsidized COBRA. The self-payment will be
$50.00 per month for the first three consecutive months of continuation of your "Basic Coverage"
of hospital/medical and prescription drug benefits. Benefits for dental and vision can be added for
an additional cost. Thereafter, on the fourth month of continuation coverage, the self-payment will
increase to the full amount allowed under COBRA. Life Insurance benefits are not continued by