Benefits after separation (COBRA)

Under a Federal law called the "Consolidated Omnibus Budget Reconciliation Act" (COBRA), you and your eligible covered dependents may continue your group health, dental, and vision benefits under the plan when your coverage is lost due to a "qualifying event." You and your spouse and/or dependent children must apply for coverage under COBRA following the qualifying event. Then, you must make monthly payments in order to keep your coverage.

Qualifying event

Who may purchase continuation coverage

Duration of continuation coverage

Your employment terminates

You, your spouse, and your dependent children who were covered under the Plan when coverage was lost

18 months

Your working hours are reduced, i.e., you become a part-time employee

You, your spouse and your dependent children who were covered under the Plan when your status changed

18 months

You experience a termination or reduction in hours while you are disabled (as determined by the Social Security Administration)

You, your spouse, and your dependent children

29 months (18 months plus an additional 11 months)

You divorce, or your marriage is annulled

Your spouse and your dependent children who were covered under the Plan at the time of divorce, marriage or annulment

36 months

Your dependent child no longer qualifies as a dependent

Your dependent child

36 months

You die

Your spouse and your dependent children who were covered under the Plan at the time of your death

36 months

Health, dental, and vision plan COBRA information

What you need to do
If you are covered by a UGA health, dental, or vision plans and wish to continue your coverage, you must submit a COBRA form to Employee Benefits within 60 days of the qualifying event. You will be responsible for making premium payments for your coverage, so you should contact Employee Benefits regarding the amount of your premium payments and when your first and subsequent payments will be due.

Coverage period
Health, dental, and vision plan members may continue your coverage and/or the coverage for your dependents for a maximum of 18 months (except as noted in the above chart under "duration of continuation coverage"). If a dependent has a second qualifying event while continuing his coverage as a result of your termination or change in employment, then the maximum period is measured from the first qualifying event that applied to the dependent.

Cost of coverage
The amount of self-payment to be paid by the covered health, dental, or vision plan individual shall be 102% of the applicable premium (total cost of plan coverage for a participant), in accordance with procedures permitted by applicable law. Coverage will not be provided if self-payments are not made, in full, when due. No claims will be paid for any medical expenses incurred by a person during any period for which self-payments have not been made. Reimbursements for covered expenses incurred will only be made when all required self-payments have been made.

View the 2017 COBRA rates.

view the 2016 COBRA rates.

Address changes after enrolling in COBRA
In order to protect your family's rights, you should keep the University informed of any changes in addresses of family members. UGA will not be responsible for loss of coverage if the COBRA-covered individual provides incorrect or outdated address information. Be sure to contact Employee Benefits if you are moving out of the area, in the event you need to make changes to your coverage.

Life insurance conversion options

Read more about the Minnesota Life conversion options after you separate from UGA.


View health, dental, and vision forms associated with COBRA.

If you have any questions about your benefits options, please contact Employee Benefits at 706-542-2222 or e-mail

Revised 10.19.16