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COBRA
Continuing Coverage for Ineligible Dependents
If your dependent no longer meets the eligibility requirements
for insurance coverage then you must notify the Office of Employee
Benefits promptly. Coverage ends at the end of the month in which
your dependent no longer meets the eligibility requirements. (For
example, if your dependent graduates in May then coverage will
end on May 31.) Your dependent may elect to continue medical,
dental and/or vision coverage through COBRA continuation for up
to a maximum of 36 months. Contact the Benefits Office for more
information at (410) 887-4142.
Continuing Coverage After Your Employment Ends
If your employment ends with Baltimore County Public Schools, benefits
terminate on the later of the last day of the month in which you
worked or are in active pay status except if you terminate after
the final benefit deduction is taken at the end of the school year.
In that situation, coverage continues through August 31st.
Through federal legislation known as the Consolidated Omnibus Budget
Reconciliation Act of 1985 (COBRA), you may choose to continue coverage
by paying a monthly premium equivalent to full cost plus an administrative
charge of 2%.
Each individual who is covered by a BCPS health plan immediately
preceding the employee's termination has independent election rights
to continue his or her medical, dental, vision or Health Care Spending
Account. The right to continuation of coverage ends at the earliest
of when:
- you, your spouse or dependents become covered under another
group health plan; or,
- you become entitled to Medicare; or,
- you fail to pay the cost of coverage
- you've reached the maximum continuation period (see
Continuation Rights Chart)
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