Using tax-free dollars is the smarter way to pay medical expenses
Your Subtitle text
Employer Responsibilities
The employer has the responsibility to notify Benefit Solutions when an employee is added to a group health plan. We will then send them an initial COBRA notice as reqired by law.
They also notify Benefit Solutions of the employee's death, termination, reduction in hours or Medicare entitlement. After we are notified, we notify the eligible individual that they have the right to continuation coverage.
If they choose to continue coverage within the required 60 days Benefit Solutions will send them payment coupons and collect payments for the remaining COBRA period. COBRA coverage will be terminated if payments are are not timely.
Employee Responsibilities
When an employee is first added to a group health plan, they will receive an initial COBRA notice. It is the employees responsibility to read that notice in its entirety. The initial COBRA notice spells out specifically the employers and employees rights and responsibilities.
Under the law, the employee or a family member has the responsibility to inform their Plan Administrator of a divorce, legal separation, or a child losing dependent status under the company's group health insurance plan within 60 days of the date of the event.
Once a COBRA qualifying event has taken place and an employee has received a COBRA election notice, the employee has 60 days (no more) to make an affirmative election. If the employee does not choose continuation coverage on a timely basis, your group health insurance will end.
If the employee elects to continue coverage, the employee has 45 days from the date of the signed election form to pay the premium to us, including any past premium due and a 2% administration fee. From that point forward the employee will be responsible for paying their COBRA premiums to Benefit Solutions on the first of the month for the following month.