We know the COBRA regulations can be confusing for both employers and former employers. You are not alone, help is on our user board.

COBRA terms you should know

COBRA means: Consolidated Omnibus Budget Reconciliation Act

Core coverage Non vision and dental benefits

Covered employee Can also include the self-employed, agents & independent contractors

Small employer plan Fewer than 20 total employees

Plan administrator Person or sponsor designated by plan documents

Premium determination A preset 12-month period

Qualifying event Employees death or termination, reduction in hours, divorce or legal separation, or entitlement to Medicare Qualified beneficiary An covered employee, spouse or dependent

Medicare entitlement When someone 65 (or under 65, disabled or with renal disease) signs up for SSI benefits, they qualify for Medicare