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Western Colorado's Selective University

C.O.B.R.A.

The Consolidated Omnibus Budget Reconciliation Act of 1986

COBRA requires continuation coverage to be offered to covered employees, their spouses, their former spouses, and their dependent children when group health coverage would otherwise be lost due to certain specific events. Those events include the death of a covered employee, termination, or reduction in the hours of a covered employee's employment for reasons other than gross misconduct, divorce or legal separation from a covered employee, a covered employee becoming eligible for Medicare, and a child's loss of dependent status (and therefore coverage) under the plan.

Who is entitled to continuation coverage?

  • Covered Employee who is (or was) covered under Colorado Mesa University's group medical, dental and/or flex plan at the time of the qualifying event.
  • Qualified Beneficiaries: Employee's legal spouse and/or dependent children provided each is (or was) insured under the plan on the day before the qualifying event occurred.

Qualifying Events and Continuation of Coverage:

Qualifying Event
Qualified Beneficiaries
Maximum Period of Continuation Coverage

Covered employee's termination (for reason other than gross misconduct) or reduction in hours of employment

Employee

Spouse

Dependent Child(ren)

18 months
Employee enrollment in Medicare

Spouse

Dependent Child(ren)

36 months

Divorce or legal separation

Spouse

Dependent Child(ren)

36 months

Death of covered employee

Spouse

Dependent Child(ren)

36 months

Loss of "dependent child" status under the plan

Dependent Child 36 months

Employee's Responsibilities:

If you enroll in medical, dental or the flex plan you will receive a COBRA Initial Rights Notification mailed to your home address. This notification outlines your responsibilities if you experience a COBRA qualifying event that results in loss of insurance coverage. Please be sure to keep this notification for your files.

For detailed information or questions about your right under COBRA, please contact Jill Knuckles in the Human Resources office at 970.248.1426. You may also refer to: An Employee's Guide to Health Benefits Under COBRA (a U.S. Department of Labor Publication).