The Consolidated Omnibus Budget Reconciliation Act (COBRA) is a federal program that helps Missouri employees and their families continue health benefits if there is a loss of coverage.

The COBRA insurance coverage applies only in certain circumstances, including:
  • voluntary or involuntary job loss;
  • reduction in working hours;
  • transition periods between jobs;
  • sudden death of primary insurance holder;
  • divorce from primary insurance holder; and
  • other similar life events. 

COBRA insurance coverage may be the only option your family has to continue health coverage if there is an impact on the employment or life status of the person who carries the insurance in your household. Missouri employees and their families can benefit from this coverage by choosing to continue group health benefits for a limited time if the employer previously offered them.

There are many things to consider when choosing to accept COBRA insurance coverage.
You may have to pay the entire premium yourself for coverage up to 102% of the cost to the plan. There are also restrictions on how long the COBRA insurance coverage will last and not all Missouri employees will be eligible. This means you and your employer will need to communicate when you're applying for COBRA.

For questions regarding COBRA insurance coverage or if you are having difficulty obtaining or handling your health care benefits through COBRA, you should consult with a St. Louis insurance attorney. Your attorney can explain your coverage options when job loss, benefit cuts, death or divorce impact your health insurance status.

Contacting a St. Louis Insurance Attorney to Protect Your Rights

Missouri employees are eligible for the same federal benefits and insurance protections as any other U.S. citizens. If you are having difficulty obtaining coverage or collecting benefits under the federal COBRA system, contact a St. Louis insurance attorney at Bollwerk & Tatlow, LLC for help with challenges in your COBRA insurance coverage. Call today to schedule a free consultation - 314-315-8111.