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COBRA: Impact & Clarifications

Are COBRA rules changing in response to COVID-19?

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Yes.  

On May 4, 2020, the US Department of Labor (DOL), Internal Revenue Service (IRS) and Department of Health and Human Services (HHS) jointly issued new rules that temporarily extend several COBRA deadlines, including the deadlines for eligible employees to elect COBRA continuation coverage and to make COBRA premium payments. 

Effectively, the new rules apply a “time out” from many COBRA deadlines until 60 days after the announced end of the Coronavirus National Emergency. 

This SHRM article provides a good overview of the new COBRA rules.  

Employers subject to COBRA are advised to consult with their advisors in implementing the new rules. 

Claremont partner TASC can help employers seeking COBRA administration assistance. 

 

Helpful resources  

DOL Temporarily Extends COBRA Deadlines, SHRM.

 

Claremont Insurance Services and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

Are furloughed employees eligible for COBRA coverage?

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Some carriers are temporarily permitting employees to remain eligible for employer coverage during a furlough. Employers should check their carrier’s furlough policy, and then consult their COBRA administrator before making any COBRA determinations. In general, loss of employer coverage because of termination of employment or reduction in hours is a COBRA qualifying event.

 

Claremont Insurance Services and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

If a business closes, are terminated employees eligible for COBRA coverage?

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No. COBRA coverage continues and/or is available only if the employer plan remains in place. Employers should consult their COBRA administrator before making any COBRA determinations.

 

Claremont Insurance Services and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.