A Federal law, commonly called "COBRA" allows insured employees and their dependents to continue health coverage under several circumstances when it would normally be lost. The following are the basis for COBRA continuation coverage:

1. Loss of Employment (resignation/termination): If an employee/School Board terminates employment , the employee and/or insured dependents may continue his/ her health coverage for up to 18 months.
2. Reduction of Hours: If an employee's hours of employment are reduced so that he/she is no longer entitled to benefits, he/ she and/or insured dependents may continue his/her health coverage for up to 18 months (includes unpaid leave of absence or personal/ professional leave).
   
3. Death of Employee: If an employee with dependent coverage should die, covered dependents may continue their health coverage for up to 36 months.
4. Loss of Dependent Eligibility: Health coverage may be continued for a child who was covered by dependent coverage and has reached the age limitation for normal coverage, for up to 36 months.
   
5. Divorce: If an employee and his/her spouse are divorced, and the spouse and/or other dependents were covered as dependents on the employee's health insurance, the divorced spouse and/or other dependents may continue his/her health coverage for up to 36 months.
6. Extension for Disabled Persons: If a person is totally disabled for social security purposes at the time that one of the reasons listed in (1) or (2) above occurs, that person is entitled to up to 29 months of continued health coverage.

Premiums for the above coverage's are paid by the person using the COBRA coverage. In the case of loss of employment or death of the employee, the District will issue a COBRA notice and application. If one of the other events occur, the employee is responsible to notify Employee Benefits of the situation so that COBRA may be offered. You have 60 days to complete and return your COBRA application or forfeit your rights to continuation of coverage.

COBRA is administered by Eagles Benefits by Design for all coverages.

For questions about COBRA elections for medical coverage or billing. You may reach Eagles Benefits at 772-334-3995.

Martin County School District
Cobra Rates
July 1, 2007 - June 30, 2008

Instructions: Please note that you may not change plan options at this time (HMO to PPO), unless you are relocating out of the South Florida market area. Outside the S. Florida market , the only plan available is the PPO option. However, you may decide to continue only single coverage, instead of single + family.

Coverage	Total Monthly Rate
PPO
Single	$703.45
Single + Family	$1475.00
HMO
Single	$496.32
Single + Family	$982.13

For more information on COBRA and your medical coverage click here.