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• Information and Articles
  From time to time, a great article is written by one of the underwriters at Cobra Help Center that explains easily the ins and outs of a certain topic. Besides having to dig through our blog to find these articles, we have picked out the top articles for your viewing plesure.
  information-and-articles.html

• COBRA Articles
  COBRA Insurance can be a scary topic, and in many cases, a confusing one. Included in this section are many different articles explaining different aspects of COBRA. Articles can be found on Divorce, Chronic Conditions and many articles explaing your COBRA rights and benefits.
  cobra-articles.html

• What is COBRA?
  COBRA is a health insurance benefit program enacted by the federal government in 1985. Employees who leave their job voluntarily or for any reason other than gross misconduct, spouses of these employees, dependent children of these employees and disabled persons are entitled to COBRA Health Insurance under the law
  what-is-cobra.html
• How does COBRA Insurance apply to me?
  COBRA is a tool that can used in many situations. Knowing your COBRA rights, eligibility and benfits can save you a lot of stress and hardtimes. With the subsidy now in effect, 65% of your premiums can be paid for you. Knowing the rights you possess through the government can save you the painful thought of going with out insurance, expecially if you have a pre-existing condition.
  how-does-cobra-insurance-apply-to-me-.html
• COBRA Qualifying Events and Beneficiaries
  COBRA works for most displaced employees, retirees, their dependents and spouses, divorced or separated spouses and dependents who have lost their dependent status. When an event occurs that might cause an individual to lose their coverage under a group health insurance policy, COBRA, which passed into law in 1986, provides the opportunity for those individuals to continue the previous coverage.
  cobra-qualifying-events-and-beneficiaries.html
• COBRA and the Diabetic
  Diabetes is a classic example of the prudence and value of COBRA. When employment situations change, the employee does not necessarily lose their medical benefits. Under a variety of circumstances0, an individual and the individual’s dependents can keep their existing health insurance coverage for between 18 and 36 months. Individuals who file for their COBRA continuation coverage within 60 days of their employment change must pay for their COBRA continuation coverage, but those persons and their covered dependents have the security of uninterrupted health insurance.
  cobra-and-the-diabetic.html
• Divorce and your Cobra Health Insurance Rights
  Divorce is challenging under the best circumstances. In the midst of undoing all those “I Dos”, you will need to understand and apply your rights under COBRA. Learning the laws applicable to your situation under the Consolidated Omnibus Budget Reconciliation Act of 1986 known as COBRA is no less of a challenge and on par with Division of Assets and Visitation.
  divorce-and-cobra.html
• Employee Retirement Income Security Program - ERISA
  ERISA was enacted to protect the interests of employee benefit plan participants and their beneficiaries by requiring the disclosure to them of financial and other information concerning the plan; by establishing standards of conduct for plan fiduciaries; and by providing for appropriate remedies and access to the federal courts. ERISA is sometimes used to refer to the full body of laws regulating employee benefit plans, which are found mainly in the Internal Revenue Code and ERISA itself.
  employee-retirement-income-security-program-erisa.html
• California Cobra
  Cal-COBRA is similar to COBRA, though it is a California specfic law that encompasses companies of less than 20 employees. For former employees coming from companies with 2 to 19 employees, they may be allowed to keep their California health insurance plan for up to 36 months.
  california-cobra.html
• Cobra Medical Insurance Expiring?
  George L. Fox, 18 year veteran of Planning Financial Futures, Inc., a Long Island, New York based comprehensive planning firm, has recently mapped out a streamlined process to navigate consumers desperately in need of medical insurance through the labyrinth of red tape that major insurance carriers hide behind to try and deny coverage to applicants with pre-existing health conditions.
  cobra-medical-insurance-expiring-.html

• Health Insurance Articles
  Health insurnace is a not a one size fits all product. Knwoing what you want and what you need in a health insurnace policy will help you get closer to that perfect policy before you even talk to an agent. It pays to educate youself on your rights, the options and many benefits available. Knowing what type of plan you want can get you closer to get the right plan sooner.
  health-insurance-articles.html

• Major Medical vs. Limited Medical
  Securing health insurance coverage for your self and your family is one of the most important decisions you'll ever make. Sometimes events can happen in life that send you in a difference direction, and that can be beneficial for your overall goals and life plan, but very often, changes in life don't guarantee health insurance coverage. When you find yourself in the midst of a job transition, or you're finally taking the leap to start your own dream business, quality health insurance is suddenly propelled to the forefront of your priorities. If you're currently in this type of situation, you do have choices available, and its up to you to make some crucial decisions at this crossroads.
  major-medical-vs-limited-medical.html
• Health Insurance That Fits Your Needs
  Finding the right insurance for your family is parmount in maintain finacial security. Buying that insurance from the right person can give you peace of mind knowing you got the best possible plan from every carrier available. Only a broker can sell you any policy from any carrier, and has the greatest variety when customizing a plan just for you.
  health-insurance-that-fits-your-needs.html

• COBRA Subsidy Articles
  The COBRA subsidy, passed into law within the stimulus bill, is a helpful tool that allows a former employee to get 65% of their COBRA premium paid for by the federal government. The subsidy lasts for 9 months, half of the normal COBRA period, but only for those hwo qualify. Within, you will find articles detailing the subsidy and explaing the benefits and eligibility provided by it.
  cobra-subsidy-articles.html

• Cobra Subsidy from the Government
  The economic stimulus package signed into law by President Obama on February 17, 2009 includes a subsidy of COBRA premiums for up to nine months for certain employees involuntarily terminated between September 1, 2008 and December 31, 2009 and their spouses and dependents. The subsidy, which is set at 65% of the otherwise applicable COBRA premium, will ultimately be funded by the Federal government through an offset of payroll taxes for the entity (in most cases, the employer) that initially bears the burden of the subsidy.
  cobra-subsidy-from-the-government.html