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COBRA

Are you leaving employment with the County of Riverside? Getting divorced? Is your child no longer eligible for benefits? These are a few of the reasons you may need to continue your health care coverage or other benefits.

COBRA (Consolidated Omnibus Budget Reconciliation Act) is a federally mandated program that allows you to continue your medical, dental, and vision benefits based on the following qualifying events:

  • termination of employment (for reasons other than gross misconduct),
  •  reduction in number of hours of employment which affects benefit eligibility,
  • divorce or legal separation,
  • employee's death (for eligible dependents),
  • child ceases to be eligible for coverage under the plans

COBRA provides extended health benefits coverage after loss of coverage situations. The County will send a COBRA election notification at the time of loss of coverage by an employee or dependent.

    COBRA (Consolidated Omnibus Budget Reconciliation Act) allows you or a dependent covered under medical, dental, vision, and/or health care Flexible Spending Accounts benefits to continue coverage when it is lost due to any of the following qualifying status changes: 

    • Termination of employment (for reasons other than gross misconduct)
    • A reduction in the number of hours of employment that affects benefits eligibility
    • Divorce or legal separation/termination of same-sex domestic partnership
    • Employee’s death (for eligible dependents)
    • Child ceases to be eligible for coverage

    Subscribers pay the full COBRA rate on their own; the County of Riverside makes no contribution towards enrollment. For current plan rates review the current 2024 COBRA Rate Sheet

     

    Qualifying Event

     Qualified Beneficiaries

    Maximum Coverage Continuation Period

    18 Months

    • Employee’s termination

    Employee’s reduction in hours or type of employment that effects benefits plan eligibility

    • Employee

    • All covered dependents

    36 Months

    • Employee’s divorce or legal separation/termination of same-sex domestic partnership

    • Employee’s death

    • Employee’s entitlement to Medicare benefits

     

    • All covered dependents

    36 Months

    • Loss of eligibility for a dependent child who reaches the limiting age

     

     

    • Eligible covered

    dependent children

    Termination of COBRA

    COBRA coverage will cease on the last day of the month in which a Qualified Beneficiary:

    • Reaches the maximum coverage period

    • Fails to submit a premium payment

    • Becomes eligible for Medicare