The COBRA Blog

Loss of Coverage before Divorce … What Difference Does it Make?

Posted by Robert Meyers on Mon, May 18, 2015 @ 14:05 PM

We’ve all heard that 50 percent of marriages end in divorce. Regardless of the accuracy of this statement, it is reasonably certain that divorce or legal separation will happen within a workforce with 20 or more full time employees (the federal COBRA threshold).  Thus, just like death, taxes, and Affordable Care Act reporting, divorce is one of those unpleasant certainties for which we must prepare.   

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Wellness Plan Compliance Might Just Make You Sick

Posted by Robert Meyers on Tue, Apr 28, 2015 @ 12:04 PM

Employers establish wellness plans to promote healthy lifestyles among employees.  Healthier employees hopefully leads to better control of costs under the employer’s health plan.  However, the individuals responsible for the employer’s wellness plan compliance will likely be left with a headache.   

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How to Prepare for an IRS COBRA Audit

Posted by Robert Meyers on Tue, Apr 14, 2015 @ 15:04 PM

Thanks to the Affordable Care Act (ACA), the compliance spotlight has shifted away from COBRA. Some opinion pieces have even called for the death of COBRA. These opinions overlook many of COBRA’s key benefits. For example, COBRA allows participants to take advantage of dollars already spent to satisfy deductibles. Unlike Marketplace coverage, COBRA provides retroactive coverage - thus preventing a gap. COBRA also takes into account all of the members of the family (creating Qualified Beneficiaries), not just the employee.

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An April Fools’ Recordkeeping Reminder from The IRS that is No Joke

Posted by Robert Meyers on Wed, Apr 08, 2015 @ 15:04 PM

On April 1, 2015, the IRS published its most recent Employee Plans Newsletter. You can access the newsletter at

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Friendly Reminder: Review (or Create) Your COBRA Leave of Absence Policy

Posted by Robert Meyers on Mon, Mar 16, 2015 @ 18:03 PM

A recent case illustration:

Leaves of absence can cause major COBRA headaches.  In one recent case (Cole v. Trinity Health Corp., 774 F.3d 423, 8th Cir. Dec. 15, 2014), an employee exhausted all available short term disability leave and then applied for long term disability benefits (LTD).  The LTD carrier reviewed her application for three months and ultimately denied LTD benefits.

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Tags: COBRA leave of absence

ACA Update: The Monumental Implications of King v. Burwell

Posted by Robert Meyers on Mon, Mar 09, 2015 @ 11:03 AM

Stay tuned … the second half of this year could bring big changes for the Affordable Care Act.

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Tags: aca update

IRS Grants Small Employers ACA Transition Relief

Posted by Robert Meyers on Mon, Feb 23, 2015 @ 10:02 AM

If you employ under 50 full-time employees and reimburse those employees for the cost of their individual health insurance, the IRS just cut you a (temporary) break.  Just this week, the IRS issued guidance that wipes away potential penalties for 2014 and for the first six months of 2015.

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Tags: aca transition relief, irs notice 2015-17

Health Insurance Fraud or Forgetfulness? How Divorce Impacts COBRA Administration

Posted by Robert Meyers on Wed, Feb 11, 2015 @ 12:02 PM

Do you know if any of your divorced employees are carrying a former spouse on your insurance plan?

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Tags: COBRA during divorce

Mergers, Acquisitions and COBRA: The Apex of Complexity

Posted by Robert Meyers on Tue, Feb 03, 2015 @ 11:02 AM

COBRA CONUNDRUMS is reprinted from the September 2014 issue of Health Insurance Underwriter Magazine featuring our very own Robert Meyers.

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Tags: cobra administration, COBRA during a merger, COBRA merger and acquisition rules

ACA 2015: The Year of the Tax

Posted by Robert Meyers on Mon, Jan 12, 2015 @ 13:01 PM

It happens every year. You survive another busy holiday season, celebrate another New Year’s Eve, and embark on another year with renewed goals and a fresh outlook.

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Tags: affordable care act, ACA 2015, employer mandate penalties

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