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 certified by the OneSource Service Center before sending it to the Division of Pensions and Benefits.

Return completed form to: OneSource Service Center-Benefits- ASB II, Cook Campus.

Contact OneSource at 732-745-SERV (7378) for more information.

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

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