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 are the COBRA rates?
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.