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 Maryland mini-COBRA?
Maryland mini-COBRA applies to employer group health plans.
What are the qualifying events?
Maryland mini-COBRA qualifying events are similar to federal COBRA. A qualifying event includes:
- Termination of employment (except for cause)
- Change in marital status
- Death of employee
Continuation coverage generally lasts for 18 months.
Who is a qualified beneficiary?
A qualified beneficiary is an employee that has been covered for at least three months before a qualifying event. Spouses and eligible dependents are considered qualified beneficiaries if they are covered on the date of the employee’s death or the date of divorce.
Are there notice requirements?
Employers must provide a notice of continuation rights to terminated employees. They must also provide election forms within 14 days after a qualified beneficiary’s request.