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 Virginia mini-COBRA?
Virginia mini-COBRA applies to employer group health plans that are not subject to federal COBRA.
What are the qualifying events?
A Virginia mini-COBRA qualifying events is nearly anything that causes employees or their dependents to lose coverage. The only exception is the qualified beneficiary is eligible for Medicare or Medicaid.
Continuation coverage generally lasts for 12 months.
Who is a qualified beneficiary?
A qualified beneficiary is an individual covered by the plan on the day of a qualifying event and is not yet eligible for Medicare or Medicaid.
Are there notice requirements?
Employers are required to provide a written notice of continuation rights to the employee within 14 days of the qualifying event.