COBRA

Health & Dental Benefits Continuation

Coverage

If you are covered by one of the BCBS Health Care plans and/or the Delta Dental plan, you have the right to choose continuation of health benefits coverage if:

You and/or your dependents lose your group health coverage through a qualifying event; or
Your employment with the State of Vermont is terminated.

If you are entitled to choose continuation of coverage, you may remain in the State’s group health plans for a period of  18 or 36 months depending on the qualifying event.

Cost

You pay 100% of the group rate plus a 2% administration charge. Please see Health Care Premiums- COBRA under forms and documents for detailed cost information.

Eligibility and Electing coverage

EBPA (BCBS administrator) and/or Delta Dental will  automatically send information regarding   COBRA Rights and continuation options to eligible individuals . COBRA information should be received within 2 weeks from the date coverage terminated . Eligible individuals have 60 days from the date of their letter to elect continuation of coverage  through COBRA..  If continue coverage is elected, the coverage start date will be back dated to the last day of coverage. This will ensure there is no break in your benefit.

Continuation of coverage for Domestic Partners

Domestic Partners may be eligible to continue coverage with the State paying 100% of the premium. Eligible Domestic Partners will receive notification of this benefit in the mail within 2 weeks from the date coverage. For additional questions regarding COBRA or Domestic Partners continuation of coverage, please contact the Benefits Division at DHR.benefits@vermont.gov.
 

Life Insurance Continuation

Coverage

You may convert your term insurance to an individual policy. The converted insurance policy will not include any supplemental benefits such as accidental death and dismemberment benefits.

Cost

Rates are variable depending on the amount of conversion.

Eligibility

Terminated employees can convert to an individual policy but must pay the first premium within 31 days after the group life insurance terminates. There is no evidence of insurability required.  For further information and forms please contact the Employees Benefit Unit.