Expert COBRA Compliance from Your Trusted Employee Benefits Broker
At Aebly & Associates Insurance Services, we understand that COBRA administration can be complex and requires careful attention to federal compliance requirements. As your dedicated employee benefits broker and insurance agency, we provide comprehensive COBRA administration services that ensure your business meets all regulatory obligations while minimizing administrative burden.
Your COBRA Administration Specialist
Tina Sadowski
📞 Phone: 716-675-2100 ext. 190
📧 Email: [email protected]
Understanding COBRA Requirements
The Consolidated Omnibus Budget Reconciliation Act of 1989 (COBRA), applicable state continuation laws, and HIPAA require eligible employers to provide compliant notices and follow continuation procedures. These laws ensure that eligible employees and dependents can continue their group health insurance and other benefits upon qualifying events.
What Triggers COBRA Coverage?
Qualifying events include:
- Reduction in employment hours or termination (except for gross misconduct)
- Divorce or legal separation from the covered employee
- Loss of coverage from a spouse's employer
- Dependents reaching their limiting age under the plan
- Death of the covered employee
Comprehensive COBRA Administration Services
Complete Administrative Support
Aebly and Associates insurance assists your company with administrative processes necessary to fulfill COBRA responsibilities. We distribute required notifications to qualified beneficiaries and track premium payments on your behalf. Our professionals help reduce your company's COBRA liability by keeping you current with changes and compliant with existing COBRA laws.
Core COBRA Services
Initial Notifications
- Provide initial COBRA notifications to all eligible employees at time of hire
- Ensure proper documentation and compliance with federal requirements
Qualifying Event Management
- Send COBRA letters to terminated employees and qualified dependents within proper notification periods
- Use appropriate mailing processes to ensure legal compliance
- Process COBRA elections including notifications to insurance carriers
Premium Management
- Provide payment coupons for COBRA participants
- Collect and disburse COBRA premiums on behalf of your business
- Monitor payment schedules and maintain accurate records
Ongoing Communication
- Communicate rate, plan, or regulatory changes to COBRA participants
- Provide warning and termination letters to participants who fail to make premium payments
- Send termination notices to participants who exhaust their benefit period
COBRA Coverage Duration
Standard Coverage Periods
COBRA coverage duration depends on the qualifying event:
18-Month Coverage
- Reduction in employment hours
- Termination of employment (for reasons other than gross misconduct)
36-Month Coverage
- Employee enrollment in Medicare
- Divorce or legal separation
- Death of the covered employee
- Loss of dependent child status
Coverage may terminate early if participants fail to pay premiums on time, become covered under another group health plan, enroll in Medicare, or experience employer cessation of health coverage under the plan.
Why Choose Aebly and Associates for COBRA Administration?
Expertise in Group Health Insurance
Our team specializes in group health insurance administration and understands COBRA compliance complexities. As your commercial insurance broker, we ensure seamless integration between your regular benefits administration and COBRA requirements.
Comprehensive Business Insurance Knowledge
As your insurance agency, we understand how COBRA administration fits into your broader business insurance strategy. Our expertise in workers' compensation insurance and professional liability insurance allows us to provide holistic risk management guidance.
Independent Insurance Agent Advantage
As an independent insurance agent, we work with multiple carriers and understand various plan structures. This expertise allows us to navigate COBRA requirements across different insurance products and carriers effectively.
Integration with Employee Benefits Strategy
COBRA administration is integral to your comprehensive employee benefits program. Our services work in conjunction with your group health insurance plans to provide continuous coverage options for departing employees.
For small business insurance clients, COBRA compliance can be particularly challenging due to limited administrative resources. Our specialized services help small businesses meet their obligations without overwhelming their internal capabilities.
Getting Started with COBRA Administration
Contact our employee benefits broker team to discuss your COBRA administration needs. We'll assess your current processes and implement comprehensive solutions that ensure compliance while reducing administrative burden.
Our team provides continuous support to ensure your business remains compliant and your employees receive proper notifications and service. We also provide comprehensive documentation and training to help your HR team understand COBRA requirements.
Don't let COBRA compliance create unnecessary risk for your business. Contact Tina Sadowski and our expert team at Aebly and Associates insurance to learn how we can handle your COBRA administration requirements with precision and reliability.
Call us at (716) 675-2100 or email directly to discuss your COBRA administration needs and receive a customized solution that ensures compliance while protecting your business.