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COBRA Subsidy: You've Got Questions...We've Got Answers | Ogletree, Deakins, Nash, Smoak & Stewart, P.C.


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The new 100 percent premium subsidy applies to individuals eligible for Consolidated Omnibus Budget Reconciliation Act (COBRA) coverage due to either a reduction in hours or an involuntary termination of employment, and it applies for the period from April 1, 2021, to September 30, 2021. The U.S. Department of Labor (DOL) has already produced model notice forms and initial guidance consisting of a summary sheet and frequently asked questions (FAQs). Employers are still awaiting formal regulations and guidance from the Internal Revenue Service (IRS).
A recent Ogletree Deakins webinar on the COBRA coverage subsidy under the American Rescue Plan Act of 2021 (ARPA) produced more questions than the presenters could address during the webinar. Below are answers to some of the most common and interesting questions we heard from our audience. ....

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American Rescue Plan: How to Navigate New Continuation Coverage Standards for COBRA | Goodwin


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On March 11, 2021, President Biden signed the American Rescue Plan Act of 2021 (“ARPA” or the “Act”), the latest COVID-19 relief bill, into law. Under ARPA, employers will generally be obligated to advance the cost of continuation coverage required under the Consolidated Omnibus Budget Reconciliation Act (“COBRA continuation coverage”) for eligible individuals from April 1, 2021 to September 30, 2021, with the right to recover the amounts advanced through tax credits.
Generally, COBRA continuation coverage permits former employees and other qualified beneficiaries to continue receiving coverage under an employer’s group health plan following a qualifying event that results in a loss of such coverage. Ordinarily, continuation coverage may be paid for by the individual, but may also be paid (in whole or in part) by the employer. ARPA provides COBRA continuation coverage, temporarily and at no cost, to ....

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Applicability of COVID-19 Relief Legislation and Guidance to Health and Welfare Plans Chart | Groom Law Group, Chartered

Must-Follow Steps When You're Out of a Job


Must-Follow Steps When You’re Out of a Job
Don’t Take It Personally
Losing a job can cause shame, humiliation, and embarrassment. You may feel depressed and lose your confidence. Yes, it’s a very stressful time, but don’t take it personally. Thousands and thousands of people have lost their jobs in this pandemic. Don’t hibernate; be good to yourself. If you need it, seek emotional counseling. Let your friends and family be there for you.
Remember time heals. This, too, will pass.
Collect Your Benefits
You may have unemployment benefits, a lump-sum payout from your ex-employer, a severance package, and options regarding health insurance. Find out exactly what you qualify for and the limitations and rules regarding each benefit. ....

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Unemployed Americans Struggle to Get Promised Free Health Insurance in Pandemic


Due to the pandemic, Santillo had been laid off from her job as a marketing manager at the publishing company Informa in October. As part of her severance package, the company paid her COBRA health insurance premiums through April. Come May, she d be on her own with the $700 bill.
She didn t know if she could afford that tab and, without coverage, she feared having to stop taking her medication for anxiety and depression. But then the American Rescue Plan passed in March, and the $1.9 trillion stimulus package included a provision that offered many unemployed workers free health insurance coverage through COBRA for six months, starting April 1. ....

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