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FAQ - COBRA
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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.
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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.
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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
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What are COBRA rates?
Effective April 1, 2008 - December 31, 2008 - COBRA rates
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How do I enroll?
University Human Resources will mail COBRA application and instructions.
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Who receives a completed COBRA application?
The New Jersey Division of Pensions and Benefits.
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What is the deadline for returning a completed COBRA application to the State?
60 days from loss of loss of coverage or date of employer notification, whichever is later.
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Will there be a break in continuous coverage after COBRA enrollment?
No, the COBRA start date coincides with the active coverage end date.
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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.
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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.
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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, visit the 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 them at 609-292-7524.
