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The federal Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) and state laws provide employees and their dependents the opportunity to temporarily continue medical, dental, and life insurance coverage under the UPlan when certain specific events, called qualifying events, would normally result in the loss of coverage. Under COBRA, the former employee or dependent pays the full cost of coverage at the University's group rates plus an administrative fee.
You can continue benefits coverage under COBRA if you lose coverage due to one of the following qualifying events:
Due to one of the qualifying events above, your medical coverage will end on the last day of the month in which the pay period that includes the qualifying event ends. Your dental, life, and disability coverage will end on the last day of the pay period in which you actively worked or were still employed in a position eligible for benefits.
If you lose coverage, your department will notify you of the option to continue coverage within 10 days after employment ends and provide you with a Request for Continuation of Coverage form. If coverage for your dependent ends because of divorce, termination of same-sex domestic partnership, or any other change in dependent status, you or your covered dependents must notify the Plan within 30 days. To qualify, you must have been covered as an eligible employee or dependent on the day before the qualifying event.
In most cases, you have 60 days from the date of the qualifying event to elect continuation coverage. Continuation coverage is effective following the date of loss of your group coverage. However, you may experience a gap in coverage due to cancellation of benefits if you wait up to 60 days before applying for COBRA continuation. Electing early will avoid disruption in your coverage.
Note: If you have a spouse/same-sex domestic partner who is employed by the University of Minnesota and is eligible for benefits, it may be possible to be added as a dependent to his/her group benefits. Contact Employee Benefits for more information.
Continuation coverage must be with the same plan you had on the date of coverage termination. You do not need to prove you are insurable to obtain continuation coverage. You may change coverage options during any open enrollment period that the plan may have while you are covered by continuation coverage.
You and your dependents may continue the group medical and/or dental benefits until the earliest of the following:
If you have questions on termination or continuation of coverage, call 612-624-UOHR (612-624-8647) or 800-756-2363 to reach the Employee Benefits Service Center.