ARRA: COBRA Subsidy Model Notices
| Notice Type | Recipient |
| • General Notice: Full Version (13 pages). Includes info on premium reduction as well as info required in regular COBRA Election Notice. | All Qualified Beneficiaries experiencing a Qualifying Event who have yet to elect COBRA. |
| • General Notice: Abbreviated Version (8 pages). Includes info on premium reduction. | All Qualified Beneficiaries who have already elected COBRA coverage and still have it. |
| • Alternative Notice (12 pages). Insurance issuers must send this notice for continuation under state law. | Small group state law based COBRA Qualified Beneficiaries. |
| • Notice in Connection with Extended Election Periods. Info on ARRA’s additional election opportunity as well as premium reduction. | COBRA eligible individuals who have undergone an involuntary termination. Qualifying Event occurred between 9/1/08 and 2/16/09 and did not elect COBRA or elected it and stopped paying premiums. |
| DOL also published additional FAQs for employers and employees | |
An ERISA Welfare Plans Practice
With over 38 years of overall experience in welfare benefit plan design, financing and compliance, Alfred B. Fowler has spent the last 17 years in private law practice on employee benefit matters, providing legal/technical support to large employers and regional insurance brokers on welfare plan benefits, cafeteria plans, communications, ERISA and HIPAA compliance, and sitting as Trust Counsel for various ERISA welfare plan trusts. His private law practice was preceded by nine years in welfare plan consulting and 11 years in group insurance sales, account management and product development. He is a frequent speaker on employee benefit matters.
