What is COBRA?
Who is eligible?
How long does this insurance continue?
Coverage is available for up to 36 month after the death.
Who pays for this coverage?
There is no provision in the law for the employer to pay for the health insurance unless state law provides for this. However, in most cases, the survivors must pay for the insurance coverage.
Who initiates contact about the insurance?
When will the coverage start?
Will this health insurance offer the same benefits?
Coverage under COBRA must be identical to the coverage the firefighter had prior to death. However, employers can let survivors drop some incidental benefits to lower premium costs. If the department changes its health plan, survivors will receive the benefits under the new plan.
What if a survivor moves out of the health plan coverage area?
A survivor will lose benefits since the employer is not required to offer a plan in a different area.
Who is eligible to receive COBRA?
- Dependent children and stepchildren (must be under age 18, a full-time student under age 23,
or dependent because of a permanent disability)