COBRA is the Consolidated Omnibus Budget Reconciliation Act of 1985; this law allows former employees to remain on an employer’s insurance plan for a limited amount of time. The coverage offered to them must be identical as the coverage offered to active employees, although participants pay the full employer cost, and at times an additional 2% administrative fee.

COBRA requires letters of notice be sent to employees (and their dependents) when certain events occur. Initial COBRA notices must be provided to employees when coverage first begins (it may be provided in the SPD), or within 90 days of the enrollment.

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