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 Kentucky mini-COBRA?
Kentucky mini-COBRA applies to employer group health plans. Plans subject to federal COBRA are excluded.
What are the qualifying events?
Kentucky mini-COBRA qualifying events are similar to federal COBRA. A qualifying event includes:
- Termination of employment
- Reduction of hours resulting in a loss of employment
- Death of the employee
- Divorce
- Loss of dependent status
Continuation coverage generally lasts for 18 months.
Who is a qualified beneficiary?
A qualified beneficiary is an employee and their spouse or eligible dependents that have been covered for at least three months before termination.
Are there notice requirements?
The employer notifies the insurance carrier of a qualifying event. The insurance carrier must then provide written notice of continuation rights to employees and their dependents.