Family and Medical Leave Act

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Family and Medical Leave Act

• AND
• Cobra Benefits

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Family and Medical Leave Act (FMLA)

• The following will briefly explain your rights
  under the Family and Medical Leave Act.better
  known as FMLA.

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Eligibility Requirements

• You have worked at least one year with your
  current employer.
• You have worked at least 1250 hours in the past
  twelve (12) months.

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FMLA Benefits

• FMLA permits employees to take leave on an
  intermittent basis or to work a reduced schedule
  under certain circumstances.
• You are eligible for up to twelve (12) weeks of
  unpaid leave for one or more of the following
  reasons

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1Birth

• For the birth of a son or daughter and to care
  for the newborn child

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2Adoption

• For the placement with the employee of a child
  for adoption or foster care and to care for the
  newly placed child

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3Family illness

• To care for an immediate family member with a
  serious health condition

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and 4Personal illness

• when you have a serious health condition.

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Health Benefits

• You are entitled to receive health benefits
  during the 12 weeks of FMLA as if you were still
  working.

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Cobra Benefits

• The following will briefly describe your rights
  for continuation of health, dental, or flexible
  spending account benefits when you experience a
  qualifying event.

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Qualifying Events

• Termination of employment
• Reduction of hours
• Approved leave without pay (18 months)

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Effective Dates

• Eighteen or 29 months is counted from your
  qualifying event date.
• Your last day covered by state health insurance
  or LCBE Dental Plan is the last day of the month
  following month of termination.
• If disabled under Social Security Act (29
  months)

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Steps to Continue Coverage

• Complete the Cobra election form and insurance
  application.
• Return the election form, insurance application,
  and first payment made payable to your insurance
  carrier to the central office. (must reach this
  office within 60 calendar days of your insurance
  termination date)
• Cobra participants must make premium payments by
  the 30th of each month to your current carrier.

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Coverage Term

• Cobra coverage will continue for 18 months unless
  any of the following circumstances occur, at
  which time coverage will terminate immediately

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Cobra Termination

• the former employer does not offer a plan
• failure on your part to pay premium in a timely
  manner
• the qualified beneficiary becomes covered under
  another group health plan which does not have a
  pre-existing condition limitation or
• becomes entitled to Medicare

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Disability

If you or a dependent are disabled under Social
Security you may request a total of 29 months
coverage within 60 days of a determination by
Social Security, and during the original 18 month
period.
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Questions.

• If you have any questions regarding your FMLA or
  Cobra rights, please feel free to contact the
  Central Office at any time.

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Presented by your Lyon County District Finance
Team