Continuation Coverage

Federal and state law requires that Washington County offer employees the opportunity to continue their group health coverage on a self-pay basis when they, or a covered dependent, lose coverage for reasons other than gross misconduct.   Below is a brief description of each type of continuation coverage and the associated cost.  Depending on the reason for your loss of coverage, you may be eligible for one or more of these types of continuation coverage.

 

COBRA

Consolidated Omnibus Reconciliation Act (COBRA) is the federal statute that allows for continuation of health, dental, vision, EAP and FSA coverage when you or a covered dependent loses coverage as a result of a “qualifying event.”  Examples of qualifying events include:

  • Termination of employment for any reason other than “gross misconduct”;
  • Reduction in hours of employment;
  • Divorce or legal separation;
  • Death of the covered employee; and 
  • Loss of “dependent child” status under the plan rules.

The type of qualifying event determines who is eligible for continuation coverage and the length of time that coverage can be continued.  Strict election and payment deadlines apply to this coverage. To maintain COBRA coverage, you must pay the full cost of the coverage plus a 2% administrative fee.  Please see the attached rate sheet for applicable premiums.

 

Retiree Coverage

If you are leaving the County as a qualified retiree, and taking a PERS retirement, you can continue your group health, dental, vision and EAP coverage on a self-pay basis until you reach Medicare eligibility at age 65.  You can also continue coverage for your spouse or eligible dependents as long as they meet the County’s eligibility rules (until age 26, regardless of marital or student status).  Strict election and payment deadlines apply to this coverage. To maintain Retiree coverage, you must pay the full cost of the coverage.  Please see the attached rate sheet for applicable premiums.

 

Continuation Coverage Resources & Forms

For current coverage and payment questions, contact our Retiree/COBRA Administrator:

HR Simplified
8441 Wayyzata Blvd., Suite 300
Minneapolis, MN  55426
888-318-7472

 

2014 Retiree and COBRA Premium Rate Sheet

 

 USERRA

Uniformed Services Employment and Reemployment Rights Act (USERRA) is the federal statute that allows for continuation of health, dental, vision and EAP coverage for employees called to active military duty.  Coverage may be continued for you, your spouse, and your eligible dependents up to 24 months.  Under qualifying circumstances, the County will continue to pay the full cost of premiums on your behalf.  Strict election deadlines apply so please contact Human Resources Division once you are notified of a call to active duty.