Page 18 - Goodwill 2021 Annual Benefits Enrollment
P. 18
Goodwill Industries
Newborns’ and Mothers’ Health What is Cobra Continuation Coverage?
Protection Act COBRA continuation coverage is a continuation of Plan coverage
Group health plans and health insurance issuers generally may when it would otherwise end because of a life event. This
not, under Federal law, restrict beneits for any hospital length is also called a “qualifying event.” Speciic qualifying events
of stay in connection with childbirth for the mother or newborn are listed later in this notice. After a qualifying event, COBRA
child to less than 48 hours following a vaginal delivery, or less continuation coverage must be ofered to each person who is a
than 96 hours following a cesarean section. However, Federal “qualiied beneiciary.” You, your spouse, and your dependent
law generally does not prohibit the mother’s or newborn’s
attending provider, after consulting with the mother, from children could become qualiied beneiciaries if coverage under
discharging the mother or her newborn earlier than 48 hours the Plan is lost because of the qualifying event. Under the Plan,
(or 96 hours as applicable). In any case, plans and insurers qualiied beneiciaries who elect COBRA continuation coverage
may not, under Federal law, require that a provider obtain must pay for COBRA continuation coverage. If you’re an
authorization from the plan or the insurer for prescribing a employee, you’ll become a qualiied beneiciary if you lose your
length of stay not more than 48 hours (or 96 hours). coverage under the Plan because of the following qualifying
events:
Continuation Coverage Rights Under Your hours of employment are reduced, or
COBRA Your employment ends for any reason other than your
Introduction gross misconduct.
You’re getting this notice because you recently gained coverage If you’re the spouse of an employee, you’ll become a qualiied
under a group health plan (the Plan). This notice has important beneiciary if you lose your coverage under the Plan because of
information about your right to COBRA continuation coverage, the following qualifying events:
which is a temporary extension of coverage under the Plan. Your spouse dies;
This notice explains COBRA continuation coverage, when it may Your spouse’s hours of employment are reduced;
become available to you and your family, and what you need
to do to protect your right to get it. When you become eligible Your spouse’s employment ends for any reason other than
for COBRA, you may also become eligible for other coverage his or her gross misconduct;
options that may cost less than COBRA continuation coverage. Your spouse becomes entitled to Medicare beneits (under
The right to COBRA continuation coverage was created by a Part A, Part B, or both); or
federal law, the Consolidated Omnibus Budget Reconciliation You become divorced or legally separated from your
Act of 1985 (COBRA). COBRA continuation coverage can spouse.
become available to you and other members of your family
when group health coverage would otherwise end. For more Your dependent children will become qualiied beneiciaries if
information about your rights and obligations under the Plan they lose coverage under the Plan because of the following
and under federal law, you should review the Plan’s Summary qualifying events:
Plan Description or contact the Plan Administrator. You may The parent-employee dies;
have other options available to you when you lose group health
coverage. For example, you may be eligible to buy an individual The parent-employee’s hours of employment are reduced;
plan through the Health Insurance Marketplace. By enrolling in The parent-employee’s employment ends for any reason
coverage through the Marketplace, you may qualify for lower other than his or her gross misconduct;
costs on your monthly premiums and lower out-of-pocket costs. The parent-employee becomes entitled to Medicare
Additionally, you may qualify for a 30-day special enrollment beneits (Part A, Part B, or both);
period for another group health plan for which you are eligible
(such as a spouse’s plan), even if that plan generally doesn’t The parents become divorced or legally separated; or
accept late enrollees. The child stops being eligible for coverage under the Plan
as a “dependent child.”
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Newborns’ and Mothers’ Health What is Cobra Continuation Coverage?
Protection Act COBRA continuation coverage is a continuation of Plan coverage
Group health plans and health insurance issuers generally may when it would otherwise end because of a life event. This
not, under Federal law, restrict beneits for any hospital length is also called a “qualifying event.” Speciic qualifying events
of stay in connection with childbirth for the mother or newborn are listed later in this notice. After a qualifying event, COBRA
child to less than 48 hours following a vaginal delivery, or less continuation coverage must be ofered to each person who is a
than 96 hours following a cesarean section. However, Federal “qualiied beneiciary.” You, your spouse, and your dependent
law generally does not prohibit the mother’s or newborn’s
attending provider, after consulting with the mother, from children could become qualiied beneiciaries if coverage under
discharging the mother or her newborn earlier than 48 hours the Plan is lost because of the qualifying event. Under the Plan,
(or 96 hours as applicable). In any case, plans and insurers qualiied beneiciaries who elect COBRA continuation coverage
may not, under Federal law, require that a provider obtain must pay for COBRA continuation coverage. If you’re an
authorization from the plan or the insurer for prescribing a employee, you’ll become a qualiied beneiciary if you lose your
length of stay not more than 48 hours (or 96 hours). coverage under the Plan because of the following qualifying
events:
Continuation Coverage Rights Under Your hours of employment are reduced, or
COBRA Your employment ends for any reason other than your
Introduction gross misconduct.
You’re getting this notice because you recently gained coverage If you’re the spouse of an employee, you’ll become a qualiied
under a group health plan (the Plan). This notice has important beneiciary if you lose your coverage under the Plan because of
information about your right to COBRA continuation coverage, the following qualifying events:
which is a temporary extension of coverage under the Plan. Your spouse dies;
This notice explains COBRA continuation coverage, when it may Your spouse’s hours of employment are reduced;
become available to you and your family, and what you need
to do to protect your right to get it. When you become eligible Your spouse’s employment ends for any reason other than
for COBRA, you may also become eligible for other coverage his or her gross misconduct;
options that may cost less than COBRA continuation coverage. Your spouse becomes entitled to Medicare beneits (under
The right to COBRA continuation coverage was created by a Part A, Part B, or both); or
federal law, the Consolidated Omnibus Budget Reconciliation You become divorced or legally separated from your
Act of 1985 (COBRA). COBRA continuation coverage can spouse.
become available to you and other members of your family
when group health coverage would otherwise end. For more Your dependent children will become qualiied beneiciaries if
information about your rights and obligations under the Plan they lose coverage under the Plan because of the following
and under federal law, you should review the Plan’s Summary qualifying events:
Plan Description or contact the Plan Administrator. You may The parent-employee dies;
have other options available to you when you lose group health
coverage. For example, you may be eligible to buy an individual The parent-employee’s hours of employment are reduced;
plan through the Health Insurance Marketplace. By enrolling in The parent-employee’s employment ends for any reason
coverage through the Marketplace, you may qualify for lower other than his or her gross misconduct;
costs on your monthly premiums and lower out-of-pocket costs. The parent-employee becomes entitled to Medicare
Additionally, you may qualify for a 30-day special enrollment beneits (Part A, Part B, or both);
period for another group health plan for which you are eligible
(such as a spouse’s plan), even if that plan generally doesn’t The parents become divorced or legally separated; or
accept late enrollees. The child stops being eligible for coverage under the Plan
as a “dependent child.”
18
