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 CSOne (Delta Dental administrator) 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 continuation of coverage is elected, the coverage start date will be back dated to the last day of coverage as an active employee. This will ensure there is no break in your benefit.
Continuation of coverage for Domestic Partners
Domestic Partners are not eligible for COBRA under IRS regulations but may be eligible to continue coverage with the State by paying 100% of the premium. Eligible Domestic Partners will receive notification of this benefit in the mail 2-3 weeks from the termination date of their coverage as a dependent on the employee's plan. For additional questions regarding COBRA or Domestic Partner continuation of coverage, please email DHR-Benefits
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 click the Forms icon at the bottom of this page.