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 coverage and dental and/or vision coverage through the continuation provisions of the Consolidated Omnibus Budget Reconciliation Act (COBRA).  The Plan contracts with ADP to administer COBRA continuation. Eligible participants will be mailed information regarding their options to continue coverage.

What You Need to Know About COBRA

  • If coverage ends for you or your eligible dependent(s), you may be able to continue medical and dental coverage under COBRA.
  • You or your eligible dependent(s) will be notified by our Plan administrator ADP about the COBRA qualifying event to request COBRA continuation or eligibility will be lost. The qualifying events include:
    • Your employment ends at Creighton University
    • Your employment status changes and you are no longer benefit eligible
    • Divorce
    • Annulment
    • Your dependent children no longer meet eligibility requirements
    • Death (dependents are eligible for COBRA continuation)
  • Upon one of the qualifying events, you will receive a Notice of Enrollment letter from the Plan administrator that informs you of your rights to continue coverage.  You must notify the Plan administrator within 60 days from the date on the Notice of Enrollment letter if you want to continue coverage under COBRA.

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




  • 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 PayFlex 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:

The Social Security Administration determined that you and or your dependent is disabled; and you notify PayFlex that you have received notice from the Social Security Administration that they have deemed you or your dependent disabled within 60 days of the determination or the qualifying event and submit a copy to the Plan administrator.

If you have questions regarding COBRA, please contact ADP toll free at: 800-526-2720.