Group Contracts and Continuation Coverage

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Chapters in this video

  1. 0:00 Group funding and certificate rights
  2. 1:55 Federal COBRA eligibility tests
  3. 3:24 Election and payment deadlines
  4. 4:12 18, 29, and 36-month limits
  5. 5:27 Premium costs and early termination
  6. 7:09 Continuation versus conversion
  7. 7:56 Rapid-fire COBRA exam recap

What this video covers

  • How contributory and noncontributory group plans are funded
  • The difference between a master group policy and a certificate, including the entire-contract clause
  • Federal COBRA eligibility, the 20-employee test, qualifying events, and the gross-misconduct exclusion
  • Why continuation coverage cannot depend on new evidence of insurability
  • The 60-day election period, 45-day first-payment deadline, and 30-day grace period for later premiums
  • The 18-month, 29-month, and 36-month continuation limits, plus disability extension conditions
  • COBRA premium limits, early termination reasons, and the difference between continuation and conversion

Read the full lesson, free

This video's complete written lesson is free to read in the CertFuel app, no signup wall. The complete Life and Health course also includes adaptive practice questions and spaced-repetition flashcards, available in Free Beta.

Read the Free Lesson → free · no signup wall