The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances. Qualified individuals may be required to pay the entire premium for coverage up to 102 percent of the cost to the plan.


COBRA outlines how employees and family members may elect continuation coverage. It also requires employers and plans to provide notice.


To learn more specifics about cobra please feel free to view the U.S. Department of Labor website.


Under the law, the employee or a family member has the responsibility to inform the Fleet Owners Insurance Fund of a divorce, legal separation, or a child losing dependent status under Fleet Owners Insurance Fund within 60 days of the date of the event. The employer has the responsibility to notify the Fleet Owners Insurance Fund of the employee's death, termination, reduction in hours of employment or Medicare entitlement. Similar rights may apply to certain retirees, spouses, and dependent children if the employer commences a bankruptcy proceeding and these individuals lose coverage.


Emplolyers are required to notify Fleet Owners Insurance Fund of a Members quailifying event. Please contact us as soon as possible so we can get a COBRA notifcation sent to the Member. Below is a COBRA notice form that needs to be completed by the employer for the covered member and returned to Fleet Owners Insurance Fund.

Employer COBRA Notice
Adobe Acrobat Document 296.6 KB

Return to the Employers page.