A qualified beneficiary is required to pay no more than 110 percent of the applicable rate charged for a covered employee or, in the case of dependent coverage, no more than 110 percent of the applicable rate charged to a similarly situated individual under the group benefit plan.

Payments must be made on or before the due date of each payment, but not more than monthly.

If the SSA determines that the qualified beneficiary is disabled, the qualified beneficiary is required to pay the health care service plan an amount no greater than 150 percent of the group rate after the first 18 months of continuation coverage.

Length of Coverage

All qualified beneficiaries are generally eligible for continuation coverage for 36 months after the date the qualified beneficiary’s benefits would otherwise have terminated.

Benefits terminate when:

You or your successor employer or purchaser ceases to provide any group benefit plan to their employees.
The qualified beneficiary moves out of the plan’s service area.
The qualified beneficiary commits fraud or deception in the use of plan services.
The group contract between you and the plan terminates prior to the qualified beneficiary’s continuation coverage termination date. In this case, coverage under the prior plan terminates and the qualified beneficiary can elect continuation coverage under the subsequent group benefit plan, if any.

Cal-COBRA Cost and Coverage

Length of Coverage

COBRA and Cal-COBRA