District of Columbia COBRA (Health Insurance Continuation) laws & HR compliance analysis

District of Columbia COBRA (Health Insurance Continuation): What you need to know

The District of Columbia requires that group insurance plans sponsored by employers not covered by the Consolidated Omnibus Budget Reconciliation Act (COBRA) provide three months of continuation coverage following termination of coverage for most of the same reasons that are covered by the federal law (DC Code Sec. 32-731 et seq.).
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Insured group health plans that are not covered by federal COBRA must provide employees and their covered dependents with three months of continuation coverage when health insurance coverage would otherwise terminate (D.C. Code Sec. 32-732). This requirement applies unless the employee was terminated for gross misconduct.
The continuation requirement covers insured plans, including health maintenance organizations, but does not apply to:
• Accident-only, credit, or disability insurance;
• Coverage of Medicare services;
• Federal employee health plans;
• Medicare supplemental or long-term care insurance;
• Dental-only or vision-only insurance;
• Specified disease insurance;
• Hospital confinement indemnity coverage;
• Limited benefit health coverage;
• Coverage issued as a supplement to liability insurance;
• Insurance arising out of a worker's compensation or similar law;
• Automobile medical payment insurance, medical expense, and loss of income benefits; or
• Insurance under which benefits are payable with or without regard to fault and that is required to be contained in any liability insurance policy or equivalent self-insurance (D.C. Code Sec. 32-731).
Continuation may be terminated before the end of the three-month period if:
• The covered individual establishes residence outside of the health insurer's service area;
• The covered individual fails to make timely payment ...

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