|
|

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

Both Massachusetts 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.
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
The Massachusetts small group continuation of coverage law, Mini-COBRA, requires small group carriers to provide for the continuation of health benefits to employees of small businesses with two to 19 employees (Mass. Gen. Laws. Ch. 176J Sec. 9). The Mini-COBRA law requires small group health carriers to provide continuation of coverage benefits, which are similar to those required by the federal COBRA, and allows employees and their family members to continue coverage in their small group “health benefit plan” and pay group rates for certain time periods under circumstances where they previously would have lost coverage.
The Mini-COBRA law does not apply to every type of insurance and has quite a few exclusions (e.g., disability income insurance) (Mass. Gen. Laws. Ch. 176J Sec. 1).
Mini-COBRA benefits must be provided to so-called qualified beneficiaries who lose coverage upon the occurrence of a qualifying event that results in the individual losing coverage (Mass. Gen. Laws. Ch. 176J Sec. 9). Qualified beneficiaries are generally individuals who are covered under a small group health benefit plan on the day before the qualifying event. Qualified beneficiaries can be an employee, the spouse of an employee, and/or the dependent child of an employee.
The type of qualifying event determines who is ...

>> 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 |

Massachusetts 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.