COBRA Administration

COBRA Administration Group Benefits

The COBRA Administration allows your employees to continue their group insurance coverage after their employment has ended. For employers with 20 or more employees, offering COBRA benefits is a federally mandated requirement. At BIS Benefits, our insurance brokers can help your team navigate the requirements and mandates associated with COBRA and find the right coverage options for you.

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What is COBRA Coverage?

The Consolidated Omnibus Budget Reconciliation Act, or COBRA,  offers workers who lose their employer health benefits the right to temporarily stay on an employer-sponsored health plan under certain circumstances.


Some of the insurance benefits that COBRA enrollment offers include


Continuation of Coverage

Since COBRA continuation coverage must be identical to the coverage currently available under the existing plan, COBRA rights allow qualified beneficiaries to maintain the same health plan after a qualifying event. 


Dependent Coverage

Spouses, former spouses, and children are eligible dependents for COBRA coverage.


Generous Enrollment Period

Once employer-sponsored benefits end, workers have 60 days to enroll in COBRA. This grace period allows families to avoid complete loss of coverage during transition periods.

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Who is Qualified for COBRA continuation coverage?

This group health coverage must be offered only to qualified beneficiaries. These can include:


  • Employees who were covered by a group health plan on the day before a qualifying event occurred
  • The employee's spouse, former spouse, or dependent child
  • An employer’s agents, independent contractors, and directors who participate in the group health plan


COBRA can only be used after a covered employee experiences one of the following qualifying events:
Termination of employment for any reason other than gross misconduct


  • Reduction of working hours
  • New Medicare eligibility
  • Death of the covered employee
  • Divorce or legal separation
  • Employer bankruptcy (if the employee is retired)

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We quote all the top-rated carriers in Georgia including Humana, Anthem, Blue Cross, Aetna, United Health Care, Oscar, Renaissance, Cigna, Kaiser, Principal, Guardian, EMI, and more.

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Where We Work

BIS Benefits works with companies throughout the state of Georgia. These are some of the cities that our clients are located in:

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FAQs

  • How long can workers stay on COBRA?

    In many cases, covered employees and their family members can stay on COBRA for 18 to 38 months.

  • What is the COBRA disability extension?

    If a qualified beneficiary meets COBRA’s disability requirements, they can receive up to an 11-month disability extension of continuation coverage.

  • Which employers are required under federal law to offer COBRA coverage?

    Most of the time, COBRA applies to all private-sector group health plans maintained by employers that had at least 20 employees on more than 50 percent of its typical business days in the previous calendar year.

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