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 South Carolina mini-COBRA?
South Carolina mini-COBRA applies to employer group health plans, including surgical plans, that are not subject to federal COBRA.
What are the qualifying events?
A qualifying event in South Carolina is nearly anything that causes employees to lose coverage. The only exception is if coverage was terminated for nonpayment of employee premiums.
Continuation coverage generally lasts for 6 months. If employees are eligible for continuation coverage under federal COBRA, they are not eligible for coverage under South Carolina mini-COBRA.
Who is a qualified beneficiary?
A qualified beneficiary is an employee covered by the plan for at least six months before a qualifying event.
Are there notice requirements?
Insurers must include a notice of continuation coverage rights with the certificate of coverage.