Frequently Asked Questions

COBRA

What is COBRA?
I am getting divorced. Is my former spouse entitled to self-pay coverage on her own?
My child will soon turn age 26—can my child be eligible for COBRA?
How long can I have COBRA coverage?
What type of coverage is available under COBRA?
How do I submit my COBRA self payment?
What are the COBRA rates?
Are the self payment rates going to change every year?
Is there a separate Retiree Plan?
What are "Short hours self-payments"?




QUESTION: What is COBRA?

ANSWER: Under the COBRA coverage provision, qualifying individuals can make self-payments for continued coverage (called COBRA coverage) if coverage terminates due to a reduction in your hours, termination of your employment (including retirement), your death, your divorce or legal separation, or if a child ceases to meet the definition of a dependent. Please call the Fund office to notify Lineco immediately of a dependent qualifying event or to elect COBRA coverage. Notices are sent automatically to employees who have lost eligibility for a lack of hours.

For more information on COBRA, please refer to the Benefit Summary Tab or the SPD.



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QUESTION: I am getting divorced. Is my former spouse entitled to self-pay coverage on her own?

ANSWER: Yes, ex-spouses can be entitled to COBRA coverage if the Plan is notified within 60 days of divorce/legal separation. Please contact the Fund office immediately if you become legally separated or divorced.

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QUESTION: My child will soon turn age 26—can my child be eligible for COBRA?

ANSWER: Yes, a child's failure to meet the Plan's definition of a dependent can entitle them for COBRA coverage.

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QUESTION: How long can I have COBRA coverage?

ANSWER: Normal COBRA coverage is for up to 18 months (36 months for ex-dependents) if your coverage terminates due to a reduction in your hours or termination of your employment (including retirement).

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QUESTION: What type of coverage is available under COBRA?

ANSWER: There are 3 choices of plans: Medical only; Medical/ Dental/Vision; or Medical/Dental/ Vision/Life. For Utility members there are 2 choices of Plans: Medical only or Medical/Dental/Vision.

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QUESTION: How do I submit my COBRA self payment?

ANSWER: Once you elect COBRA, coupons will be mailed to you with instructions and due dates. Please contact the Fund Office with any questions.

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QUESTION: What are the COBRA rates?

ANSWER:

As of March 2017, the COBRA Rates are as follows:

Plan Current Rates
Regular Employees
Medical Benefits Only $877.00
Medical, Dental & Vision $954.00
Medical, Dental, Vision & Life** 
*Life insurance on employee only   
$960.00
Utility Employees (REA)
Medical Benefits Only $1,260.00
Medical, Dental & Vision 
(plan with Life Insurance not available for utility employees)

$1,352.00



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QUESTION: Are the self payment rates going to change every year?

ANSWER: The self payments rates are reviewed yearly by the Board of Trustees.

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QUESTION: Is there a separate Retiree Plan?

ANSWER: Yes, there is a Retiree Plan. It is separate from COBRA coverage, and the two are mutually exclusive. Please refer to the Benefit Summary Tab or the SPD for more details.

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QUESTION: What are "Short hours self-payments"?

ANSWER: Short Hours self-payments are a separate offering of up to 6 months continuation of coverage for employees who do not have sufficient hours in a particular eligibility month. For some employees it may be cheaper to make a Short Hours self payment than to make a COBRA self payment; you can choose which is best for you. A letter is sent to those who may be eligible explaining the rules for Short Hours self payments along with the COBRA notice.

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