The right to continue coverage after losing group health coverage was created by a federal law, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA).  COBRA allows employees and their covered dependents to stay on the employer-sponsored group health plan for a limited period of time, at their cost, if coverage is lost due to certain qualifying events.  Group health plans, including medical, dental, vision, health care FSAs and certain EAPs, are subject to COBRA for employers with at least 20 employees (including part-time) for the majority of the preceding calendar year. 

As your broker, Keller assists you with COBRA compliance, including HR training, review of mandated notices and determination of qualified beneficiaries, qualifying events and maximum duration of coverage.  We do not offer administrative services but will work directly with your HR department or vendor as needed.

For more detailed information regarding COBRA and a Compliance Kit with sample notices and administrative procedures, please contact your Keller consultant or visit the Client Portal.