COBRA Continuation of Coverage

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Under the federal Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) and state laws, you and your dependents can temporarily continue medical, dental, and life insurance coverage under the UPlan when certain specific events occur. Under COBRA, you or your dependents would pay the full cost of coverage at the University's group rates plus an administrative fee.

Qualifying Events for COBRA Coverage

You can continue benefits coverage under COBRA if you lose coverage due to one of the following qualifying events:

  • Termination of employment (for reasons other than gross misconduct)
  • Layoff
  • Change in employment status causing your loss of eligibility to participate in the group benefits plan (for instance, a reduction in hours to below 50% time or change to ineligible job class)
  • Loss of eligibility as a dependent child (due to age)
  • Death of a covered employee
  • Divorce from an employee

Due to one of the qualifying events above, your coverage will end on the last day of the month in which you actively worked or were still employed in a position eligible for benefits.

How to Continue Coverage

  • If you lose coverage, the University will notify you of the option to continue coverage within 10 days after employment ends and provide you with a Request for Continuation of Coverage form (pdf).
  • If coverage for your dependent ends because of divorce or any other change in dependent status, you or your covered dependents must notify the Plan within 30 days.
  • To qualify, you must have been covered as an eligible employee or dependent on the day before the qualifying event.

In most cases, you have 60 days from the date of the qualifying event to choose continuation coverage. Continuation coverage is effective following the date of loss of your group coverage. Choosing continuation coverage early will avoid a disruption in your coverage.

Note: If you have a spouse who is employed by the University of Minnesota and is eligible for benefits, it may be possible to be added as a dependent to his or her group benefits. Call 4-UOHR (612-624-8647 or 800-756-2363) and select option 1 for more information.

Duration of Coverage

You and your dependents may continue the group medical and/or dental benefits until the first of one of the options below occurs:

  • 18 months following your loss of coverage (qualifying event: termination, layoff, or reduction in hours of employee).
  • You become covered under another group health plan.
  • You or your dependent becomes entitled to Medicare benefits after choosing continuation coverage (only for the individual(s) who become entitled to Medicare (under Part A, Part B, or both).
  • You fail to pay the rate for your coverage within the grace period after the due date.
  • The University discontinues coverage for all of its employees.
  • 36 months following loss of coverage (qualifying event: loss of dependent child eligibility, divorce from employee; or the employee's entitlement to Medicare [under Part A, Part B, or both]).
  • Coverage would have terminated had the employee lived (qualifying event: death of employee).

Questions on Continuation

If you have questions on termination or continuation of coverage, call 4-UOHR (612-624-8647 or 800-756-2363) and select option 1 or send an email to benefits@umn.edu.

You must submit the Request for Continuation of Coverage form (pdf) within 60 days from the date you lose group coverage or the date you receive continuation of coverage information, whichever is later. Please request the form from Employee Benefits and return it to the address below:

University of Minnesota
Employee Benefits
200 Donhowe Building
319 15th Ave SE
Minneapolis, MN 55455-0103

Do not send money with the request form. The administrator, 121 Benefits, will bill you for the rate due.

Questions on Billing

If you have questions on billing, call 121 Benefits at 612-253-6633 or 800-300-1672.

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COBRA Medical and Dental

Continuation coverage must be with the same plan option you had on the date of your coverage termination. Continuation coverage is identical to the coverage provided under the plan to active employees and their eligible dependents.

You and your dependent(s) who choose continuation coverage may change coverage options during any open enrollment period that occurs while you are covered by continuation coverage.

If you are moving out of the plan’s service area, please call 4-UOHR (612-624-8647 or 800-756-2363) and select option 1 or send an email to benefits@umn.edu for information about plan options.

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COBRA 2016 Medical and Dental Rates

  • Applicant-only cost applies if only one person, either you or a dependent, wishes to continue coverage.
  • When two or more individuals wish to continue coverage, the cost that applies depends on the relationship of the individuals continuing coverage. For example:
  • Employee and spouse: Applicant and Spouse with or without Children rates apply.
  • Spouse and children: Applicant and Children rates apply.
  • Two or more children: Applicant and Children rates apply. The oldest child is considered the applicant.
  • Your cost is based on the plan and the zone you had in effect when you had a qualifying event.
  • If you, your spouse, or dependent child receive an extension due to a disability, the cost for that coverage is 150 percent of the cost shown below. (Contact Employee Benefits for these rates.)

A non-refundable administrative fee of 2% is included in the monthly rates below.

Monthly Medical Rates

Applicant-only

Plan Wellness Rate Standard Rate
Medica Elect/Essential (Base plan for Twin Cities and Duluth)
$610.20
$643.53
Medica Choice Regional (Base plan for Greater Minnesota)
$610.20
$643.53
Medica ACO Plan (For 13 Twin Cities counties only)
$587.90
$621.23
Medica Choice National 
$676.62
$709.94
Medica HSA 
$547.16
$580.49

Applicant and Children

Plan Wellness Rate Standard Rate
Medica Elect/Essential (Base plan for Twin Cities and Duluth)
$1,082.21
$1,115.54
Medica Choice Regional (Base plan for Greater Minnesota)
$1,082.21
$1,115.54
Medica ACO Plan (For 13 Twin Cities counties only)
$1,041.57
$1,074.90
Medica Choice National 
$1194.90
$1,228.23
Medica HSA 
$956.81
$990.14

Applicant and Spouse with or without Children

Plan Wellness Rate Standard Rate
Medica Elect/Essential (Base plan for Twin Cities and Duluth)
$1,618.47
$1,668.46
Medica Choice Regional (Base plan for Greater Minnesota)
$1,618.47
$1,668.46
Medica ACO Plan (For 13 Twin Cities counties only)
$1,560.94
$1,610.94
Medica Choice National 
$1,790.45
$1,840.44
Medica HSA 
$1,493.55
$1,543.55

Monthly Dental Rates

Applicant-only coverage

Plan Rate
Delta Dental PPO (Base plan for Twin Cites and Duluth
$36.07
Delta Dental Premier (Base plan for Greater Minnesota)
$44.20
University Choice 
$50.90
Delta Dental Premier 
$44.20
HealthPartners Dental 
$40.02
HealthPartners Dental Choice 
$43.56

Applicant and Children

Plan Rate
Delta Dental PPO (Base plan for Twin Cites and Duluth)
$86.34
Delta Dental Premier (Base plan for Greater Minnesota)
$105.36
University Choice 
$121.82
Delta Dental Premier 
$105.36
HealthPartners Dental 
$98.56
HealthPartners Dental Choice 
$107.03

Applicant and Spouse with or without Children

Plan Rate
Delta Dental PPO (Base plan for Twin Cites and Duluth)
$100.15
Delta Dental Premier (Base plan for Greater Minnesota)
$122.73
University Choice 
$141.71
Delta Dental Premier
$122.73
HealthPartners Dental 
$111.27
HealthPartners Dental Choice 
$120.82

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COBRA Life Insurance

You have the option under state law to continue group life insurance benefits for yourself and your dependents including:

  1. Basic employee life
  2. Additional employee life
  3. Spouse life
  4. Child life

For both basic life and optional life insurance, you may choose to continue all or a portion of your current benefit. The maximum period to continue coverage is 18 months or until covered by other group coverage, whichever occurs first. At that time, coverage may be converted to an individual policy or a term life portability policy without evidence of good health if you apply within 31 days. If you choose the portability policy, then spouse and child coverage is also portable.

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COBRA 2016 Life Insurance Rates

A non-refundable administrative fee of 2% is included in the rates below.

Monthly Rates

Employee Basic Life and Child Life

Benefit 2016 Monthly Rate
Employee Basic Life Rate per $1,000 of face amount: $ 0.145
Child Life Rate for $10,000 unit of child life: $ 0.93
Employee Additional Life and Spouse Life Rates per $1,000 of face amount. Rates vary according to age and coverage level (see table below).

Employee Additional Life and Spouse Life (by Age)

Age Rate per $1,000 of face amount
Under 30 $ 0.041
30 - 34 $ 0.041
35 - 39 $ 0.071
40 - 44 $ 0.071
45 - 49 $ 0.112
50 - 54 $ 0.173
55 - 59 $ 0.265
60 - 64 $ 0.439
65 - 69 $ 0.704
70 - 74 $ 1.132
75 - 79 $ 1.836
80 - 84 $ 2.938
85+ $ 5.875

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COBRA Health Care Flexible Spending Account

For employees who lose eligibility for coverage due to:

      • Termination of employment
      • Layoff
      • Changes in employment status

If you are enrolled in a health care flexible spending account, your pre-tax contributions to the account end with the pay period when you terminate employment.

For more information about continuing a health care flexible spending account, refer to Leaves & Termination on the Flexible Spending Accounts page.

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