Continuation coverage
Organize the event, notices, payroll changes, and responsible parties before deadlines become urgent.
Educational planning guidance—not legal, tax, payroll, or eligibility advice.
Start with the situation
Choose the closest scenario for a focused list of questions to organize. Your selection stays in this browser.
Continuation coverage planner
The event date, coverage end date, plan type, employer size, and administrator determine the official continuation process and notices.
Three points to confirm
Continuation coverage is a formal employer and plan-administration responsibility. This guide helps identify the information to organize, but the plan administrator, carrier or TPA, and qualified legal advisers should confirm the applicable notice, election, and payment rules.
A practical process
Use the plan documents and responsible partners to confirm the official rule for the situation.
Start with the employee or dependent, the event date, the group coverage end date, and the plan involved. A reduction in hours, job loss, divorce, death, or another event can trigger different questions.
Keep the carrier, TPA, or plan administrator involved from the beginning. They determine the current notices, deadlines, election materials, and payment process that apply to the plan.
Document who communicates with the former employee, who sends notices, when payroll deductions stop, and where questions about premiums or elections should go.
Interactive checklist
Check items as you gather them, then print the list or reset it for the next employee situation.
Local employer guidance
We help California employers organize carrier, enrollment, network, and coverage questions and identify which partner should confirm the final rule.
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FAQ
Federal COBRA generally applies to employers with 20 or more employees in the prior calendar year. California has Cal-COBRA continuation rules for some smaller-group arrangements. The plan administrator or a qualified benefits professional should confirm which rules apply.
The qualified beneficiary commonly pays the required continuation premium directly through the plan’s official payment process. The applicable notice explains the amount, due dates, and payment instructions.
No. The employer, plan administrator, carrier or TPA, and qualified legal advisers handle the official process. We can help keep the coverage and enrollment context organized while those parties confirm the required steps.
Keep the event date, coverage end date, plan and carrier information, employee contact information, current payroll status, and any notice sent by the plan administrator together.
