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UC Riverside
Human Resources

Helping employees maximize their potential

COBRA

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COBRA
Medical Insurance Concept With Family Paper Cutouts And Stethoscope On Wooden Desk

You have the option to continue health and welfare benefits when you separate from employment.

The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) provides for continued coverage for a certain period of time at applicable monthly COBRA rates if you, your spouse or domestic partner, or your dependents lose group medical, dental, vision or Health FSA coverage because:

  • You terminate employment (for reasons other than gross misconduct);
  • Your work hours are reduced below the eligible status for these benefits;
  • You die, divorce, or are legally separated; or
  •  A child ceases to be an eligible dependent.
 

COBRA Resources

Alternative Options to Continue Coverage

  1. Visit the Covered California website at: https://www.coveredca.com
  2. Convert to an Individual medical plan – be sure to consult with your medical plan providers for costs.
  3. Consider enrollment in spouse or domestic partner insurance coverage.

COBRA Rates:

Premium rates include the full cost of coverage (UC does not contribute to the premium rate) plus a 2% administration fee. 

Length of COBRA Coverage:

  • Up to 18 months for former employee or
  • Up to 36 months if dependent loses coverage due to divorce, legal separation, annulment, end of domestic partnership, death, or reaching age 26.