COVID-19 (Coronavirus) Updates: CobraHelp will continue to deliver service excellence and compliance support to our Clients and their Employees during these challenging times. We are working to provide Employers and Agents with the latest legislative updates on a national level. We encourage Employers, Benefits Administration partners and Insurance Agents to learn more about the most recent COVID-19 DISASTER RELIEF updates (the American Rescue Plan Act) here. 
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How Your Employees Can Become More Productive by Having a Morning Routine

3/20/2023

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According to experts in employee health and wellness, people feel like they’re working harder, and accomplishing less since the COVID19 pandemic.  Something for modern day workforce employers and employees to consider is that productivity is habit-based, and new habits are perhaps needed now more than ever in order to combat that looming sense of overwhelm. 

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Compliance Considerations for Employers When Offering Post-Employment Benefit Severance

3/14/2023

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With layoffs on the rise in a rapidly shifting economic landscape, many Employers discuss severance packages which often include health insurance subsidies. Subsidized health insurance premiums for COBRA continuation, or “Cobra-like” coverage, may seem straightforward, but require careful planning and must operate in compliance with Federal and State laws. In this article, we glance at some “hot tips” for the most commonly asked questions relating to COBRA premium subsidies.

Subsidizing COBRA Premiums As Part of Severance Package
While it is not required by law, employers may offer former employees subsidized premiums, covering all or a percentage of the monthly COBRA or continuation coverage premium rate. Subsidized premiums may be offered for specified time-periods, such as one month all the way up to the full eligibility time-period of a COBRA continuation qualified beneficiary (usually 18 months).

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Impending End to National Health Emergency Calls Employers & Plans to Action

2/10/2023

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In 2021, the IRS and DOL released guidance about the National State of Emergency, due to the COVID-19 pandemic, on employer-qualified beneficiaries.  Part of the emergency relief was the requirement for plans subject to ERISA or the Internal Revenue Code to disregard the “Outbreak Period” for typical COBRA employer beneficiaries' time-frames such as:

  • The 60-day election period for COBRA continuation coverage
  • The due date for COBRA premium payments
  • The deadline for employers to notify individuals of their COBRA Notice of Right to Elect
  • The 30-day (or 60-day) Special Election Period to request enrollment into a group health plan
  • The timeframes for filing claims
  • The deadlines for requesting appeals for adverse benefit determinations.

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Keeping Up with COBRA in 2022

9/30/2022

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Is your HR Department, brokerage firm, or small business burned out on ARP COBRA extension compliance? Exhausted from the constant ARP (American Rescue Plan) compliance conundrum? In this post, we’ve broken down the ARP’s extensions of COBRA timelines to help simplify COBRA compliance in 2022.

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86 NEW COBRA SUBSIDY FAQS RELEASED BY IRS

5/25/2021

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With the recent release of IRS Notice 2021-31, Employers and benefits professionals are finally receiving more direct guidance on the complexities of the ARP COBRA Premium Subsidy of 2021. 

86 FAQs from IRS on COBRA Subsidy
Notice 2021-31 includes an overview of the premium subsidy, as well as 86 new Frequently Asked Questions and Answers on this trending benefits topic of the year. 

The premium assistance COBRA subsidy of 2021 comes with a multitude of employer responsibility from notifications, to benefits changes, to subsidized COBRA premiums. Further, the subsidy for covered employers, brings new payroll tax reporting responsibilities, in order for employers to receive the Federal tax credit on COBRA continuation coverage premiums that are being subsidized for the six month period ending September 30, 2021.

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ARPA & Payroll: The COBRA Premium Tax Credit

4/28/2021

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A year after the onset of the Coronavirus pandemic, The American Rescue Plan Act (ARPA) established the second ever COBRA premium subsidy for continuation coverage....

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Making Sense of the ARP COBRA Subsidy Notification Requirements in 2021

4/23/2021

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​As detailed in a previous article, President Biden signed into law the American Rescue Act (ARPA) on March 11th. 

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Congress Passes 100% COBRA Subsidy Through September

3/15/2021

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Updated 03/15/2021. This information based on guidance provided by government agencies as of March 15th. Updates may follow. 

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COBRA Disaster Relief in 2021: DOL New Guidance

3/2/2021

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COBRA Extensions
Back in April of 2020, the U.S. Department of Labor, in conjunction with the Department of Treasury and the IRS, issued a Joint Final Rule that went into effect as March 1, 2020 – which was declared the start of the National Emergency due to the COVID-19 pandemic. ​

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COBRA and USERRA: How They Interact and How They’re Different

2/25/2021

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USERRA is The Uniformed Services Employment and Reemployment Rights Act that has some differences from that of COBRA benefits. 

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