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

The federal Consolidated Omnibus Budget Reconciliation Act (COBRA) and Louisiana law both permit employees to continue their group health coverage if they leave the group for certain specified reasons. Except for a provision covering surviving spouses over the age of 50, Louisiana law covers only those not eligible for COBRA. According to federal law, when comparing state and federal continuation rights, employees may use the law that is most favorable to their situation.
For a Limited Time receive a FREE HR Report on the "Critical HR Recordkeeping”.  This exclusive special report covers hiring records, employment relationships, termination records, litigation issues, electronic information issues, tips for better recordkeeping, and a list of legal requirements.  Download Now
Louisiana's continuation requirements cover all employers regardless of size (LA Rev. Stat. Sec. 22:1046). It covers hospital, surgical, and major medical plans but does not cover self-insured plans or employees covered by federal COBRA. Continuation is not available to any person:
• Who, within 31 days of termination, is or could be covered by any other group hospital, surgical, or medical coverage;
• Whose insurance terminated because of fraud; or
• Whose insurance terminated because he or she failed to pay any required contribution for the insurance.
The continued policy must cover all dependents covered under the group policy.
To be eligible for continuation under Louisiana law, an individual must have been covered for at least three months before the event resulting in the loss of group coverage. Individuals who lose coverage because of the following events are entitled to 12 months of continuation coverage:
• Termination of employment;
• Divorce and legal separation from the employee; or
• Death of the employee.
Continuation coverage may be terminated before the end of the coverage period in the following circumstances:
• An individual fails to pay the ...

>> Read more about Health Insurance Continuation (COBRA)

More on this topic:

State Requirements

National | Alabama | Alaska | Arizona | Arkansas | California | Colorado | Connecticut | Delaware | District of Columbia | Florida | Georgia | Hawaii | Idaho | Illinois | Indiana | Iowa | Kansas | Kentucky | Louisiana | Maine | Maryland | Massachusetts | Michigan | Minnesota | Mississippi | Missouri | Montana | Nebraska | Nevada | New Hampshire | New Jersey | New Mexico | New York | North Carolina | North Dakota | Ohio | Oklahoma | Oregon | Pennsylvania | Rhode Island | South Carolina | South Dakota | Tennessee | Texas | Utah | Vermont | Virginia | Washington | West Virginia | Wisconsin | Wyoming |

Louisiana Health Insurance Continuation (COBRA) Resources

Health Insurance Continuation (COBRA) Products

Free Special Reports
Get Your FREE HR Management Special Report. Download Any One Of These FREE Special Reports, Instantly!
Featured Special Report
Claim Your Free Copy of Critical HR Recordkeeping

Record retention is complex and time consuming. However, in addition to complying with various federal and state laws, keeping good, well-organized records can be very helpful in documenting and supporting an organization’s employment actions.
Download Now!

This special report will discuss how you can ensure your records are in good order, and establish a record-retention policy.

Topics covered:
1. Hiring Records
2. Employment Relationships
3. Termination Records
4. Litigation Issues
5. Electronic Information Issues
6. Tips for Better Recordkeeping
7. A List of Legal Requirements

Make sure you have the information you need to know to keep your records in order.