The Florida Mini Cobra Law, or Florida Health Insurance Coverage Continuation Act (FHICCA), entitles individuals a continuation of coverage for groups with 2-19 full-time employees. However, the employee must request the extension within 30 days of termination.
An employee, and his/her dependents are eligible for a continuation of coverage of up to 18 months. If an employee is totally disabled, coverage may be extended for up to 29 months.
Florida Mini COBRA Administration:
The Health Insurance Company (HMO or PPO) is responsible for the administering the continuation of coverage instead of the employer. You send your premiums directly to the insurance company.
Florida Mini COBRA Premiums:
Premiums paid for continuation of coverage may not exceed 115% of the group rate, and no more than 150% of the group rate during the 11 month disability extension.
Florida Mini COBRA Notification:
Eligible employees must give written notice to the insurance company or HMO within 30 days of the date of the qualifying event, as opposed to 60 days under the federal COBRA provision.
No Mini Cobra Coverage
47 of the 50 U.S. states have COBRA laws that cover smaller employers, generally called state mini-cobra laws. States that have not passed a mini-cobra law include Alabama, Alaska, and Delaware.
Among States that have mini-cobra laws, the lengths of coverage vary from 30 days to 36 months. Please refer to our Mini State COBRA Law Directory.
Written by Craig J. Casey
Craig Casey is an Writer, Coach, Blogger, Husband, and Former Health Insurance Agent helping people on the web since 1999 with their health insurance problems.
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