COBRA

General information on how you can continue your benefits upon separation from LSU.

COBRA (Consolidated Omnibus Budget Reconciliation Act) is a federal law, which requires that group plans offer covered employees and dependents the opportunity to continue health insurance coverage when coverage would normally end for certain specified reasons. The following provisions outline the requirements for continued coverage in accordance with the law:

  • You and your covered dependents may continue coverage for up to 18 months if coverage ends because of either a permanent reduction in the number of hours worked or termination of employment for any reason other than gross misconduct. You and/or your covered dependent must apply within 60 days of the date coverage ends or the date you are notified of your continuation rights, whichever is later.
  • Your dependents may continue their coverage under the group plan for up to 36 months if their coverage ends for any of the following reasons:
    • Divorce from employee
    • Death of employee, or
    • Dependent child reaches the maximum age or otherwise ceases to qualify as a dependent under the plan. 
  • Paperwork for COBRA coverage will be mailed to the employee directly from the insurance provider after the active coverage ends.

         *Coverage would be effective the first of the month following the event.

 

Medical Coverage

Your medical insurance as an eligible employee will terminate on the last day of the month in which you terminate employment (exception: coverage for 9 month employees terminating in May will end the following September 30). Medical insurance may be continued for the employee and/or eligible dependents under the provision of COBRA for up to 18 months (29 months if disabled) and the monthly premium will be 102% of the total premium (employee share plus state share).

 

Vision

  • The employee and/or family member will be able to continue vision insurance through COBRA.
  • The employee will have 60 days from the date of loss of coverage to enroll in COBRA.
  • Coverage will be reinstated from the date of loss of coverage.
  • Coverage will be reinstated once COBRA enrollment forms are completed and returned along with the payment of premiums.
  • The COBRA premium is equal to the premium for active employees.
 

Dental

  • The employee and/or family member will be able to continue health insurance through COBRA.
  • The employee will have 60 days from the date of loss of coverage to enroll in COBRA.
  • Coverage will be reinstated from the date of loss of coverage.
  • Coverage will be reinstated once COBRA enrollment forms are completed and returned along with the premium payment.
  • The COBRA premium is equal to the premium of active employees.