In the state of Louisiana , workers may continue employer-sponsored health insurance with either federal COBRA or the State’s Mini-COBRA law. The Federal COBRA Act is in place for companies with 20 or more employees. The law requires employers to provide a notice of continuation within 45 days of qualifying event that would have stopped that workers insurance. Qualified beneficiaries may remain on COBRA insurance for up to 18 months. In the case where there is a family event, such as a divorce, legal separation, annulment or a child loses dependent status, those beneficiaries may elect continuation insurance for up to 36 months. On federal COBRA, the insured employee must have been covered for at least one day.
Louisiana Has Mini-COBRA Continuation Law
Employees in Louisiana who lose there job due to quitting, getting fired, laid off, retiring or having hours reduced where the group plan no longer covers them may be eligible for continuation benefits. Differently than the federal law, the state’s Mini-COBRA is required of all employers with 19 or fewer employees. With the Louisiana continuation law, employees must have been covered on their employer’s group plan for three continuous months. Louisianans electing to mini-COBRA have up to 12 months of coverage.