Can I elect a different carrier?

Yes, for example an employee enrolled in NJ DIRECT 15 may elect to enroll in one of the HMO plans under COBRA.

Can I elect a reduced level of COBRA coverage?

Yes, however you may not increase level of coverage while on COBRA unless there is a qualifying event such as a birth or marriage.

How do I enroll?

The OneSource Rutgers Faculty and Staff Service Center within University Human Resources will mail a COBRA application and instructions.

How long may COBRA coverage continue?

  • 18 months - termination of employment, change in job status, or leave of absence
  • 29 months - if on Social Security disability status
  • 36 months - death of employee, divorce, or dependent loses eligibility status

What is COBRA?

COBRA is an acronym for the Consolidated Omnibus Budget Reconciliation Act. It is a Federal law that provides employees and dependents who would otherwise lose coverage an opportunity to purchase health benefits for a limited time.

What is the deadline for returning a completed COBRA application to the state?

60 days from loss of coverage or date of employer notification, whichever is later.

When do I pay the premium?

The New Jersey Division of Pensions and Benefits will send you a monthly invoice.  For information on the billing notice, please review Fact Sheet #30 on the COBRA SHBP website.

Where can I direct COBRA billing questions?

New Jersey Division of Pensions and Benefits
P.O. Box 299
Trenton, NJ 08625-0299

You may also call the Division at 609-292-7524.

Who is eligible?

Employees and dependents enrolled in State Health Benefits at the time of a "COBRA event” resulting in the loss of coverage are eligible.

Who receives my completed COBRA application?

COBRA Applications must be sent to: New Jersey Division of Pensions and Benefits, P.O. Box 299, Trenton, NJ 08625-0299

Will there be a break in continuous coverage after COBRA enrollment?

No, the COBRA start date coincides with the active coverage end date.