COBRAcare+
Crumdale Benefits takes the extra step when it comes to your COBRA administration. Our COBRA advisory team will make three attempts to contact you via email or text to go over both your COBRA benefit as well as additional alternative coverage options that may provide you with cost savings. For any questions about your COBRA benefit as well as additional coverage options available to you, please call the Crumdale Benefits COBRA Advisory Line at (833) 543-5165 Monday through Friday 8 am to 5pm CST.
What is COBRA?
The Consolidated Omnibus Budget Reconciliation Act (COBRA) requires most group health plans to provide a temporary continuation of group health coverage that otherwise might be terminated.
Who is entitled to continuation coverage?
There are three basic requirements that must be met in order for you to be entitled to elect COBRA continuation coverage:
- Your group health plan must be covered by COBRA;
- A qualifying event must occur; and
- You must be a qualified beneficiary for that event.
What are "Qualifying Events?"
“Qualifying events” are events that cause an individual to lose his or her group health coverage. The type of qualifying event determines who the qualified beneficiaries are for that event and the period of time that a plan must offer continuation coverage. COBRA establishes only the minimum requirements for continuation coverage. A plan may always choose to provide longer periods of continuation coverage.
What are my COBRA rights and responsibilities?
Under COBRA, group health plans must provide covered employees and their families with certain notices explaining their COBRA rights. They must also have rules for how COBRA continuation coverage is offered, how qualified beneficiaries may elect continuation coverage, and when it can be terminated.