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Maryland Health Insurance Continuation (COBRA): What you need to know

Both Maryland law and the federal Consolidated Omnibus Budget Reconciliation Act (COBRA) permit employees to continue their group health coverage if they leave the group for certain specified reasons. According to federal law, when comparing state and federal continuation rights, employees may use the law that is more favorable to their situation. The Maryland law covers all employers, regardless of size, and provides for continuation rights that are in some cases similar and in some cases less generous than under federal COBRA (MD Insurance Code Sec. 15-401 et seq.).
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Maryland's continuation law covers hospital, medical, or surgical insurance benefits plans of all employers, regardless of size, and applies if the insured employee is a resident of Maryland. An employee who is a resident of Maryland and who has been covered by an employer's plan for three months and who resigns or is involuntarily terminated for reasons other than for cause is entitled to 18 months of continuation coverage (Md. Insurance Code Ann. Sec. 15-409). An individual who has been the spouse of an employee who is a resident of Maryland for at least 30 days or is a dependent of an employee who is a resident of Maryland is also entitled to 18 months of continuation coverage if the spouse or dependent loses coverage because of the death of the employee, provided the employee was covered for the three months immediately preceding his or her death (Md. Insurance Code Ann. Sec. 15-407). An individual who has been the spouse of an employee who is a resident of Maryland for at least 30 days or is a dependent of an employee who is a resident of Maryland and who loses coverage because of divorce is entitled to ...

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We’ve compiled a list of the 100 most commonly asked questions we have received on the federal Fair Labor Standards Act (FLSA) overtime regulations.
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This report, "Top 100 FLSA Q&As", is designed to provide you with an examination of the federal FLSA overtime regulations in Q&A format, including valuable tips for bringing your workplace into compliance in an affordable manner.

At the end of the report, you will find a list of state resources on wage and hour issues. This report includes practical advice on topics such as:
  • FLSA Coverage: How FLSA regulations apply to all employers and any specific exemptions from the overtime requirements
  • Salary Level: Qualifying for exemptions and nonexempt employees
  • Deductions from Pay: Deducting for violations, disciplinary reasons, sick leave, or personal leave


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