Your benefits will continue to be active until the end of the month in which your contract ends, at no additional cost to you!
For example, if your contract ends on July 1st, 2020, your benefits will stay active until July 31st 2020. You will have benefits deductions on your final paycheck, but for the rest of the month your benefits will be paid for by Trusted Health!
Once your benefits are no longer active, you will be able to continue your coverage with COBRA through our broker Discovery. You will receive a COBRA packet in the mail from Discovery to the address we have on file in ADP within 7 to 14 days after your contract ends.
If you would like to receive your COBRA information earlier, please reach out to email@example.com with the subject title “COBRA Assistance” and we can send the COBRA packet to you in a pdf via email!
If you come back to Trusted for another assignment, you will need to re-enroll in benefits! Please ensure you login to ADP prior to your new assignment start date to review benefits options and to enroll.
If you have questions about re-enrolling in your benefits through ADP for your next assignment, please reach out to firstname.lastname@example.org with the subject title "Benefits Questions" for assistance.
The Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1985 generally requires employers with 20+ employees to provide for continuation of group health coverages following the loss of active employee benefit coverage.
If you elect COBRA, you will continue to have access to your benefits as if you remained actively eligible. Deductibles won’t reset until the new plan year, etc. The difference is your cost for coverage because our contribution is no longer applied toward your premium cost of coverage.
Who is eligible?
You and any enrolled dependents at the time of loss of coverage/termination. However, if a domestic partner was enrolled at the time of the event, they are only able to enroll if the member also chooses to continue COBRA.
What can help with COBRA costs?
Health Savings Account funds are eligible to cover the cost of COBRA premiums.
Individual marketplace options are also available if they decide not to continue with COBRA coverage. They may also qualify for free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP).
How long can someone stay enrolled in COBRA?
In general COBRA coverage lasts up to 18 months unless you meet the criteria below.
Coverage lasts up to 36 months for the following qualifying events:
Divorce or legal separation from the employee
Employee becoming entitled to Medicare
When a child loses dependent child status under the plan
When any qualified beneficiary experiences two qualifying events
Coverage can last 29 months for all of a family's qualified beneficiaries (non-domestic partner) if one of the qualifying beneficiaries in a family is disabled.
When is COBRA enrollment/decision due?
60 days from termination date (or date of notice, whichever is later) to enroll in COBRA.
We work with Discovery Benefits to administer COBRA
45 days from the date you sign the election form to catch up on premiums. All back premiums must be paid so there is no lapse in coverage.
Ongoing premiums are due on the 1st of each month. Make sure payment arrives before the due date. Discovery Benefits has snail mail options and online payment options and instructions are provided in the election packet.
Most insurance carriers do not send COBRA billing statements. It is your responsibility to pay premiums on time.
30-day grace period to pay premiums.
How much does COBRA cost?
How do I cancel my COBRA enrollments?
You will need to contact Discovery directly at 866-451-3399! If you have any questions about cancelling your COBRA enrollment, please reach out to email@example.com with the subject title "COBRA" for assistance.