Continuing Coverage When Your Appointment Terminates
ELECTING COBRA AND CONTINUING YOUR MEDICAL, DENTAL AND/OR VISION COVERAGE
The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), offers coverage when you experience a qualifying event, such as the termination of your postdoc appointment, and you lose your insurance coverage.
When your postdoc appointment terminates and you leave the university, you may continue your insurance coverage for any of the medical, dental and/or vision plans in which you and your family members are enrolled by electing COBRA Continuation Coverage.
When you elect COBRA coverage, you will pay for each plan in which you and your family members choose to be enrolled.
Please keep in mind that if your appointment ends on the 2nd day of the month or later, your coverage continues until the end of that month, and your COBRA elected coverage would begin on the first of the month following the end of your coverage. For example, if your appointment ended March 2nd, benefits end March 31st and COBRA begins April 1st.
ELECTING AND PAYING FOR COBRA CONTINUATION COVERAGE
Once the University confirms your termination, GPA will send you a COBRA Election Notice and a packet which displays the plans that are available to you. That packet is sent to your last known address communicated to us through your enrollment form.
To elect your coverage, you will need to complete the COBRA Election Notice that is included in the packet and send it back to our office within the timeframe noted on the COBRA Election Notice. You will be billed by our office on a monthly basis for your elected coverage.
If you decide to elect COBRA for you and any of your enrolled dependents, you will be responsible for paying the monthly premiums to our office for distribution to the carrier(s). To learn how much you will pay per month for any coverage you elect through COBRA, please click below:
COBRA General Notice – Continuation Coverage Rights
The COBRA General Notice - Continuation Coverage Rights contains language that assumes you have already enrolled in the plan, and is included as a section of the enrollment form. Please read the COBRA General Notice of COBRA Continuation Coverage Rights listed below, which provides details concerning continuing your coverage.
If you are not enrolling in any plans in the Northwestern University Non-Employee Postdoctoral Scholar Benefit Program (medical, dental or vision), this document does not pertain to you.