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 Nebraska mini-COBRA?
Nebraska mini-COBRA applies to employer group health plans for employers with fewer than 20 employees.
What are the qualifying events?
Nebraska mini-COBRA qualifying events are somewhat similar to federal COBRA. A qualifying event includes:
- Involuntary termination of employment (except for misconduct)
- Death of the employee
For involuntary termination, continuation coverage lasts for 6 months. For death of the employee, coverage lasts 12 months.
Who is a qualified beneficiary?
A qualified beneficiary is an employee, spouse or dependent that is covered by the plan on the day before a qualifying event.
Are there notice requirements?
Within ten days of termination, the employer must send notice by certified mail with return receipt. The notice must include:
- The right to continuation coverage
- The form to elect coverage
- The amount of the premium
- The procedures for employees to return the election form and pay the premium
The employer has 31 days to provide this notice when the qualifying event is employee death.