The federal Consolidated Omnibus Budget Reconciliation Act (COBRA) helps staff members and their dependents to continue their health insurance even if they are no longer eligible under their employer’s health plan.
However, there are strict rules about when a staff member can use COBRA. COBRA lets an eligible staff member and dependents choose to continue their health insurance when a “qualifying event” happens. Qualifying events include the staff member’s resignation, termination, leave of absence, shortened work hours, divorce, legal separation, or death. Another qualifying event is when a dependent child stops being eligible for coverage under the staff member’s health insurance.
To continue insurance coverage under COBRA, the staff member is required to pay the full cost of the insurance at YOUR CHURCH’S group rate.