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 West Virginia mini-COBRA?
West Virginia mini-COBRA applies to all employer group health plans.
What are the qualifying events?
West Virginia mini-COBRA has only one qualifying event – involuntary termination of coverage. Continuation coverage generally lasts for 18 months.
Who is a qualified beneficiary?
A qualified beneficiary is an employee that is eligible for, and enrolled in, group health insurance from their employer.
Are there notice requirements?
There is not an affirmative notice requirement. Insurers and employers are encouraged to work together to inform employees of their continuation coverage rights.