If You’re Laid Off

• Health, dental, and vision coverage

You can continue health, dental, and vision coverage for yourself and your dependents for up to 18 months after layoff by applying for COBRA continuation coverage. COBRA is the abbreviation for Consolidated Omnibus Budget Reconciliation Act, the federal law that allows individuals to continue participation in their employer’s group plan if they’re laid off.

Under COBRA, you pay the full monthly premium (employer and employee share), plus a 2% administrative charge, directly to the carrier for your plan. You continue to receive the same coverage from the same providers. You have 60 days from your date of separation from the State to enroll in COBRA. Check with your personnel office for details.

Another option that may be available to you if you meet the age and service requirements is retirement. If you retire within 120 days of being laid off, you will qualify for continued health coverage. You may still be required to pay some or all of the premium, depending on your years of vested State service, but you would not have to pay the 2% administrative fee that’s required under COBRA. Check with your personnel office for details.