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COBRA Policy

Introduction

COBRA stands for the Consolidated Omnibus Budget Reconciliation Act of 1985.

This notice contains important information about your right to a temporary extension of coverage under the State Employees Group Insurance Program (the Plan) as well as other health coverage alternatives that may be available to you through the Health Insurance Marketplace. The right to continuation coverage was created by a federal law, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), as well as by certain state laws. Continuation coverage may become available to you and to your qualified dependents covered under the Plan when you would otherwise lose your group health, dental and life coverage, as well as participation in the Medical-Dental Expense Account. This notice generally explains continuation coverage, when it may become available to you and your qualified dependents, and what you need to do to protect the right to receive it. This notice gives only a summary of your continuation coverage rights. For more information about your rights and obligations under the Plan and under federal law, you should either review the Plan’s Summary Plan Description or Certificate of Coverage. The Plan Administrator is the State of Minnesota, Minnesota Management & Budget, State Employee Group Insurance Program. The Plan Administrator is responsible for administering continuation coverage. 

Second Qualifying Events

Extension of 18-month period of continuation coverage

If your family experiences another qualifying event while receiving 18 months of continuation coverage, the spouse and dependent children in your family can get additional qualified beneficiary becomes covered months of health and dental continuation coverage, up to a combined maximum of 36 months, if notice of the second qualifying event is properly given to the Plan. This extension is available to the spouse and dependent children if the employee or former employee dies, gets divorced or legally separated, or if the dependent child stops being eligible under the Plan as a dependent child, but only if the event would have caused the spouse or dependent child to lose coverage under the Plan had the first qualifying event not occurred. In all of these cases, you must make sure that the Plan Administrator is notified of the second qualifying event within 60 days of the second qualifying event. This notice must be sent to: Minnesota Management & Budget, State Employee Group Insurance Program, Suite 400, 658 Cedar Street, St. Paul, MN, 55155

Keep your plan informed of address changes

In order to protect your rights and those of your qualified dependents, you should keep the Plan Administrator informed of any changes in your address and the addresses of your qualified dependents. You should also keep a copy, for your records, of any notices you send to the Plan Administrator.

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