{"id":2388,"date":"2015-05-06T14:06:18","date_gmt":"2015-05-06T14:06:18","guid":{"rendered":"http:\/\/norcaltc.org\/?page_id=2388"},"modified":"2015-05-06T14:08:36","modified_gmt":"2015-05-06T14:08:36","slug":"cobra-continuation-coverage","status":"publish","type":"page","link":"https:\/\/www.norcaltc.org\/es\/cobra-continuation-coverage\/","title":{"rendered":"COBRA Continuation Coverage"},"content":{"rendered":"<p><a href=\"https:\/\/www.norcaltc.org\/cobra-continuation-coverage\/#cobra\">What is COBRA?<\/a><\/p>\n<p><a href=\"https:\/\/www.norcaltc.org\/cobra-continuation-coverage\/#cobraqualben\">Who is a\u00a0<em>Qualified Beneficiary<\/em>\u00a0under COBRA?<\/a><\/p>\n<p><a href=\"https:\/\/www.norcaltc.org\/cobra-continuation-coverage\/#cobraqualevents\">What are COBRA\u00a0<em>Qualifying Events<\/em>?<\/a><\/p>\n<p><a href=\"https:\/\/www.norcaltc.org\/cobra-continuation-coverage\/#cobracostterm\">What is the cost, and how long will coverage last while under COBRA?<\/a><\/p>\n<h4><a name=\"cobra\"><\/a>What is COBRA?<\/h4>\n<p>In 1986, an important piece of legislation was enacted into law, allowing employees to continue benefit coverage after employment ceased. Actually, the continuation of benefits was only a small part of the budget bill that came to be know as COBRA, short for\u00a0<em>Consolidated Omnibus Budget Reconciliation Act<\/em>.<\/p>\n<p>What\u2019s important to know is COBRA can offer a safety net for someone facing the loss of health coverage. Under the law, COBRA allows an individual whose eligibility terminates to continue health plan coverage under certain circumstances. Key to understanding the provisions of COBRA are the terms\u00a0<em>Qualified Beneficiary<\/em>\u00a0and\u00a0<em>Qualifying Event<\/em>.<\/p>\n<h4><a name=\"cobraqualben\"><\/a>Who is a\u00a0<em>Qualified Beneficiary<\/em>\u00a0under COBRA?<\/h4>\n<p>As defined under COBRA, a\u00a0<em>Qualified Beneficiary<\/em>\u00a0is an individual who loses coverage under any of the\u00a0<em>Qualifying Events<\/em>\u00a0(described below). A\u00a0<em>Qualified Beneficiary<\/em>\u00a0can be an active employee, his spouse or dependent child.<\/p>\n<h4><a name=\"cobraqualevents\"><\/a>What are COBRA\u00a0<em>Qualifying Events<\/em>?<\/h4>\n<p>If you are the Employee,\u00a0<em>Qualifying Events<\/em>\u00a0are:<\/p>\n<ul>\n<li>termination of employment, or<\/li>\n<li>a reduction in hours.<\/li>\n<\/ul>\n<p>If you are the spouse or dependent child,\u00a0<em>Qualifying Events<\/em>\u00a0are the same as for the Employee, plus:<\/p>\n<ul>\n<li>the Employee\u2019s death, or<\/li>\n<li>your divorce from the employee, or<\/li>\n<li>the dependent child no longer meeting the plan\u2019s definition of \u201cDependent\u201d.<\/li>\n<\/ul>\n<p>If the\u00a0<em>Qualifying Event<\/em>\u00a0is a termination or reduction of hours, the Fund Office notifies you. If the\u00a0<em>Qualifying Event<\/em>\u00a0is a death, divorce or a child losing dependent status, the qualified beneficiary should notify the Fund Office.<\/p>\n<h4><a name=\"cobracostterm\"><\/a>What is the cost and how long will coverage last while under COBRA?<\/h4>\n<p>The monthly premiums are set each March by the Board of Trustees and do not change for 12 months. The cost is determined by the type of coverage you elect and whether you are buying coverage for yourself or for both yourself and your family.<\/p>\n<p>The duration of coverage can be from 18 to 36 months. Generally, coverage is for 18 months, but can be extended to 36 months if a second qualifying event occurs or to 29 months if Social Security determines that a qualified beneficiary is totally disabled.<\/p>\n<p>The provisions of COBRA are too numerous and complex to fully cover in the space allotted here. For more information on your rights to elect COBRA Continuation Coverage, refer to your plan booklet or contact the\u00a0Fund Office\u00a0at (707) 864-2800 or toll-free at 1-800-244-4530 and ask for the COBRA section.<\/p>\n<p>You may also email us at\u00a0<a href=\"mailto:customerservice@norcalcementmasons.org\">customerservice@norcalaborers.org<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is COBRA? Who is a\u00a0Qualified Beneficiary\u00a0under COBRA? What are COBRA\u00a0Qualifying Events? What is the cost, and how long will coverage last while under COBRA? What is COBRA? In 1986, an important piece of legislation was enacted into law, allowing employees to continue benefit coverage after employment ceased. Actually, the continuation of benefits was only  [&#8230;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2388","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.norcaltc.org\/es\/wp-json\/wp\/v2\/pages\/2388","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.norcaltc.org\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.norcaltc.org\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.norcaltc.org\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.norcaltc.org\/es\/wp-json\/wp\/v2\/comments?post=2388"}],"version-history":[{"count":3,"href":"https:\/\/www.norcaltc.org\/es\/wp-json\/wp\/v2\/pages\/2388\/revisions"}],"predecessor-version":[{"id":2391,"href":"https:\/\/www.norcaltc.org\/es\/wp-json\/wp\/v2\/pages\/2388\/revisions\/2391"}],"wp:attachment":[{"href":"https:\/\/www.norcaltc.org\/es\/wp-json\/wp\/v2\/media?parent=2388"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}