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

Both New Jersey 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 can use the law more favorable to their situation. New Jersey law also requires plans that provide dependent coverage with an age limit of less than 30 to provide continuation coverage until the dependent reaches age 31.
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New Jersey's general continuation law applies only to small employers with fewer than 50 employees and does not apply to employees who are eligible for continuation coverage under federal COBRA. As a practical matter, this law applies to employers with fewer than 20 employees and are thus not covered by the federal law.
Continuation coverage must be identical to the coverage provided under the insurance policy to similarly situated beneficiaries. If coverage is modified for any group of similarly situated beneficiaries, it should be modified in the same way for those who are receiving continuation coverage (N.J. Stat. Sec. 17B:27A-27).
The New Jersey continuation requirements provide continuation rights that are very similar to federal COBRA for spouses and dependent children. Unlike federal COBRA, the New Jersey continuation requirements apply to civil union partners in the same way that they apply to spouses (N.J. Stat. Sec. 37:1-32).
Employees. In the case of plans covered by the state continuation law, employees who lose coverage because their employment is terminated or their hours are reduced to less than 25 per week are entitled to 18 months of ...

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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.

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  • FLSA Coverage: How FLSA regulations apply to all employers and any specific exemptions from the overtime requirements
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