Notice & DisclosureRecurring
State Continuation Coverage (Mini-COBRA)
Varies by state (e.g., CA Cal-COBRA, NY § 3221(m), TX § 1251, IL 215 ILCS 5/367e)
States with mini-COBRA laws require employers below the federal COBRA threshold (20 employees) to offer continuation coverage. Duration and qualifying events vary by state. Some states supplement federal COBRA for 20+ groups (e.g., extended duration, additional qualifying events). Broker/employer must determine applicable state law based on situs.
ResponsibleMedical Carrier/TPA
Deliver ToQualifying employees and dependents
DeadlineVaries by state; typically mirrors federal COBRA timing (within 14-44 days of qualifying event)
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