Page 5 - AAACU Health & Welfare SPD rev 09012013

Non-Duplication of Benefits / Coordination of Benefits ...........................................................28
Health Care Coverage Coordination with Medicare ...............................................................28
Subrogation and Reimbursement...........................................................................................28
Your Rights under ERISA .......................................................................................................29
Receive Information about Your Plan and Benefits ................................................................29
Continue Group Health Plan Coverage ..................................................................................29
Prudent Actions by Plan Fiduciaries .......................................................................................29
Enforce Your Rights ...............................................................................................................29
Assistance with Your Questions .............................................................................................30
Your HIPAA Rights ..................................................................................................................31

Health Insurance Portability and Accountability Act (HIPAA) ..................................................31
Certificate of Creditable Coverage .........................................................................................32
Your COBRA Continuation Coverage Rights ........................................................................33
Continuing Health Care Coverage through COBRA ...............................................................33
COBRA Qualifying Events and Length of Coverage ...............................................................33
18-Month Continuation .......................................................................................................33
36-Month Continuation .......................................................................................................34
COBRA Notifications ..............................................................................................................34
Cost of COBRA Coverage .....................................................................................................35
COBRA Continuation Coverage Payments ............................................................................35
How Benefit Extensions Impact COBRA ................................................................................35
When COBRA Coverage Ends ..............................................................................................36
Definitions ...............................................................................................................................37
Adoption of the Plan ...............................................................................................................40
APPENDIX A ............................................................................................................................41

APPENDIX B ............................................................................................................................43
APPENDIX C ............................................................................................................................47

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