Benefits. Simplified.

COBRA allows certain people to keep their group health coverage for a limited time after it would normally end, usually after a job change, reduction in hours, or another qualifying event. It generally applies to employers that had at least 20 full‑time equivalent employees on more than 50% of typical business days in the prior calendar year and can extend coverage for enrolled employees, spouses, and dependents. When COBRA applies, eligible former enrollees can choose to continue the same group health coverage they had before the qualifying event, usually at their own cost and for a limited period based on the type of event. Clear processes around who is eligible, how long coverage can continue, and how costs are handled can help employers stay compliant and avoid surprises for both the organization and their employees.

State Continuation laws can give certain former enrollees the option to keep their group health coverage for a limited time when they are not eligible for federal COBRA, often because the employer is under the 20‑employee threshold or the plan is otherwise exempt. These rules vary by state, but they generally apply to people who were enrolled in the employer’s health plan at the time their regular coverage ended. Under State Continuation, eligible individuals may be able to continue the same or similar coverage for a set period, usually by paying the full cost of the premium. Clear procedures around who qualifies, how long coverage can be extended, and how premiums are handled can help employers stay compliant while offering a smoother transition for employees and their families.

When you submit an employee cancellation request, we don’t just process the change and move on. We also walk alongside you with clear guidance, practical resources, and easy‑to‑use notification tools for COBRA and State Continuation, so you can feel confident that former enrollees are handled correctly and your organization stays protected. Our goal is to save your HR team time, reduce stress around compliance, and make these transitions smoother for everyone involved.