📅 When Do My Trusted Benefits End?
Your current benefits remain active through the end of the month in which your contract ends—at no additional cost to you.
If you begin a new assignment within 30 days, your benefits will automatically restart on the first day of your new contract.
If you previously waived benefits, that waiver will carry over.
Example: If your contract ends on July 4, your benefits will remain active until July 31. Your final paycheck will include any standard benefit deductions, but the rest of the month is fully covered by Trusted.
📦 What Are My Options After My Benefits End?
If you do not start a new contract within 30 days, you may continue your health coverage through COBRA via our broker, Discovery.
You must have been enrolled in benefits during your assignment to qualify.
A COBRA packet will be mailed to your ADP address within 7–14 days of your contract ending.
Want the COBRA packet emailed?
Message your Care Team via Inbox and request a digital copy.
💡 What Is COBRA?
The Consolidated Omnibus Budget Reconciliation Act (COBRA) allows continuation of group health coverage after loss of eligibility.
Coverage remains the same as your active plan (deductibles do not reset).
You pay the full premium, as Trusted no longer contributes toward the cost.
👥 Who Is Eligible for COBRA?
You and any enrolled dependents at the time of coverage loss
Domestic partners can only continue if the employee also elects COBRA
💰 How to Manage COBRA Costs
You may use Health Savings Account (HSA) funds to pay COBRA premiums
You may explore other options through:
Medicaid
CHIP (Children’s Health Insurance Program)
📆 How Long Can I Stay on COBRA?
Up to 18 months in most cases
Up to 29 months if a family member is disabled
Up to 36 months for specific events, including:
Divorce or legal separation
Medicare eligibility
Dependent child aging out of plan
Multiple qualifying events
📝 COBRA Enrollment Timeline
60 days from contract end or notice date (whichever is later) to enroll
45 days from election to catch up on any unpaid premiums
Ongoing premiums due by the 1st of each month
30-day grace period applies for monthly payments
Note: Insurance carriers do not send COBRA billing statements. It is your responsibility to ensure premiums are paid on time.
🔁 Returning to Trusted?
If you start another assignment with Trusted, benefits may resume automatically depending on the length of time between placements.
🚫 How to Cancel COBRA
To cancel COBRA coverage, contact Discovery Benefits directly:
📞 866-451-3399
📧 You can also message your Care Team via Inbox for support.