Most employers are familiar with the federal COBRA law. However, many may not be aware that most states have also passed their own version of COBRA, popularly called mini-COBRA laws. While many of these laws are similar to federal COBRA, there can be important differences.
What employers have to comply with Arkansas mini-COBRA?
Arkansas mini-COBRA applies to employers with one to 20 employees that are not covered by federal COBRA. The law does not apply to self-insured health plans, or any dental, vision or prescription drug plans.
What are the qualifying events?
Arkansas mini-COBRA qualifying events are similar to federal COBRA and include:
- Termination of employment
- Change in marital status
Coverage lasts for 120 days.
Who is a qualified beneficiary?
A qualified beneficiary is an employee who was covered by the employer’s plan for at least three months before a qualifying event. A qualified dependent is a spouse or dependent child of the employee who is covered under the plan immediately before a qualifying event.
Are there notice requirements?
The employer has no notice requirements. Qualified individuals must request continuation coverage in writing within 10 days of experiencing a qualifying event.