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.
Identify the coverage event
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.
Use the plan’s official notice process
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.
Keep payroll and benefits roles clear
Document who communicates with the former employee, who sends notices, when payroll deductions stop, and where questions about premiums or elections should go.