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 Louisiana mini-COBRA?
Louisiana mini-COBRA applies to employer group health plans. Plans that cover accidental injuries or specific diseases are excluded.
What are the qualifying events?
Louisiana mini-COBRA qualifying events are similar to federal COBRA. A qualifying event includes:
- Termination of employment
- Death of the employee
- Divorce
Continuation coverage generally lasts for 12 months.
Who is a qualified beneficiary?
A qualified beneficiary is an employee that has been covered for at least three months before termination. Spouses and qualified dependents are eligible under death of employee or divorce if they were covered under the plan on the date of the event.
Are there notice requirements?
A notice of Louisiana’s continuation law must be included in the certification of coverage.