COBRA

Separation of Service/Continuation of Coverage

If you leave Creighton University or a covered dependent is no longer eligible, you have the option to continue medical, dental and/or vision coverage through the continuation provisions of the Consolidated Omnibus Budget Reconciliation Act (COBRA).  Creighton University partners with Discovery Benefits to administer COBRA benefits. An individual who is entitled to COBRA coverage because they were covered by a group plan at least one day prior to experiencing a qualifying event is called a Qualified Beneficiary.

A written notice called a Specific Rights Notice (SRN) outlining COBRA rights and obligations, including election forms will be mailed to all qualified beneficiaries within 14 days of receiving notice of a qualifying event. Discovery Benefits will mail the SRN  to the address on file in myHR for all qualified beneficiaries.

What You Need to Know About COBRA

  • If coverage ends for you or your eligible dependent(s), you may be able to continue medical, dental and/or vision coverage under COBRA.
  • You and/or your eligible dependent(s) will be notified by Discovery Benefits about your rights to continue coverage under COBRA. Eligible qualifying events include:
    • Termination (except in the cases of gross misconduct)
    • Reduction of hours
    • Death of employee
    • Divorce or legal separation from employee
    • Loss of dependent status
    • Medicare entitlement of employee
    • Employer bankruptcy

Paying for COBRA Coverage

You and your eligible dependent(s) will be responsible for both the employee portion of the premium and the amount that was previously paid for by the University, plus a 2% administrative fee. The Notice of Enrollment letter sent to you and your qualifying dependent(s) will include the actual cost for COBRA coverage. 

How long COBRA Coverage Continues

The duration of your COBRA coverage depends on the reason for the COBRA qualifying event.

Duration of COBRA Coverage

Condition

Employee

Dependent

  • Employment Ends
  • No longer eligible based on your employment and benefit eligibility

18 months

18 months

  • Employees Death
  • Marital status Changes
  • Dependent no longer meets eligibility requirements

Not applicable

36 months

  • Disability Extension is obtained

29 months

29 months

  • Second Qualifying Event You must notify Discovery Benefits within 60 days if the second qualifying event

Not applicable

36 months

If you or your eligible dependent(s) elect COBRA coverage due to your termination of employment, or you become no longer eligible as your employment status changes, you may be entitled to up to 29 months of COBRA coverage. The 29-month COBRA coverage period begins on the 1st of the month following your termination or your benefit eligible status changes. The disability extension only applies if all of the following conditions are met:

If you have questions regarding COBRA, please contact Discovery Benefits toll free at: 866-451-3399.