Extension of the Minimum COBRA Coverage Period

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Under this California Law, employer-sponsored medical plans must allow an extension to COBRA coverage for an enrollee who has exhausted their initial month continuation coverage period for up to months from the date that coverage began. This provision only applies to continuation of medical insurance COBRA coverage. In no event will continuation coverage last beyond three years ( months) from the original date of loss of coverage. Your personnel office calculates the premium for extended coverage for former employees beyond the initial months at of the state's group coverage premium rate. You continue paying this premium directly to the plan or its designee each month.

Secondary COBRA Event occurs during the -Month Period

If during the months of continuation coverage, a second event takes place (divorce, termination of domestic partnership, legal separation, death, or a dependent child ceases to be a dependent), you may extend the original months of continuation fax lists coverage to months from the original date of loss of coverage for eligible dependent qualified beneficiaries. If a second event occurs, it is the qualified beneficiary's responsibility to notify the plan in writing within days of the second event and within the original -month COBRA timeline.

In no event will continuation coverage last beyond three years ( months) from the original date of loss of coverage.Group coverage can be continued under COBRA for months if you lose coverage based one of the following "qualifying events":

Qualified Beneficiary

The term "qualified beneficiary" means, an individual that is eligible to continue group coverage because of a qualifying event. The individual must have been covered under the plan before the qualifying event date. If the individual was not covered, he or she is not eligible for COBRA.
Premium Payments
If COBRA is elected, the cost for coverage is % of the total premium, plus a % administration fee which is paid monthly by the enrollee to the plan or its designee. The plan or its designee is not required to send a monthly bill. The department is not required to pay a share of the COBRA premium.

Once COBRA is elected,

The enrollee has calendar days from the date of election to pay all retroactive premiums to the plan or its designee. The retroactive premium payment is the premium to cover the period from the date of loss of coverage to the date of election. All claims occurring during the months of retroactivity are held pending premium payment being made.

Once you pay the retroactive premium, future monthly premiums are due by the first of each following month. While due on the first, the enrollee has a maximum thirty day grace period following the due date in which to make these premium payments. All claims occurring during the month are held pending premium payment being made. If the applicable payment is not made within the grace period, then coverage is cancelled back to the end of the prior month in which a premium payment had been made. Once COBRA coverage is cancelled due to nonpayment of COBRA premiums the enrollee will not be reinstated.