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COBRA Continuation Coverage

COBRA is continuation of group medical, dental and vision insurance coverage. If you lose eligibility for university insurance coverage, the university will offer you and your covered dependents the option to continue medical, dental, and/or vision insurance, without having to submit evidence of good health. It is only possible to continue the coverage that you or your dependents have at the time you or your dependents lose eligibility. In some cases, you may also continue your UT Flex flexible spending account. Please contact the Human Resource Service Center (HRSC) for questions regarding continuation of your UT Flex account.

If you lose eligibility for university insurance coverage, the HRSC will send you a COBRA Election Notice after your insurance terminates, which occurs on the last day of the month in which your eligibility ends. The notice is sent to your U.S. (Local) mail address. Please review your address information in the Employee Information System to ensure it is up-to-date.

Steps to elect COBRA coverage:

  1. Review the COBRA premiums rate table. 
  2. Submit the COBRA Request Form to the HRSC no later than 60 days after your UT coverage ends.
  3. The HRSC will provide you with the COBRA application after your coverage terminates.
  4. Mail the application and payment directly to the insurance company. The application includes the mailing address for each insurance company.

Conversion Privileges

You may also be eligible to continue life, long-term disability and long-term care insurance coverage if you lose eligibility for university insurance coverage.

Life Insurance

Application for Conversion

If you are enrolled in basic or voluntary term life insurance, you and your covered dependents may convert the group term life coverage to an individual whole life policy with the insurance company, regardless of your current health. You and your dependents are eligible for conversion even if you retire from the university. The individuals converting must have been insured under the policy for at least five years. To convert your life insurance:

  1. Determine your premium using the Premium Calculation Worksheet.
  2. Complete Part 2 and submit the Application to Convert Group Term Life Insurance to the HRSC within 31 calendar days of the date your UT coverage ends.
  3. The HRSC will complete Part 1 and return the application to you.
  4. Mail your application along with payment directly to the insurance company.

Application for Portability

If you are enrolled in voluntary term life coverage, you and your covered dependents may elect to continue term life coverage through portability. You and your spouse must have been insured for at least one year. Portability is not an individual policy and does not have a cash value. Portability rates increase as you age, in five-year increments. This coverage may continue until you or your spouse reach age 65 or your spouse or dependent children no longer meet the definition of a spouse or dependent child. You and your covered dependents are not eligible for portability if you have elected conversion or if you retire from the university.

  1. Determine your premium by using the Portability Premium Calculation Worksheet
  2. Complete Part 2 and submit the Application for Portability to the HRSC within 31 calendar days of the date you lose coverage.
  3. The HRSC will complete Part 1 and return the application to you.
  4. Mail your application and payment directly to the insurance company.

More information about Conversion and Portability is available in the Group Term Life Certificate [PDF].

Long-Term Disability (LTD)

If you are enrolled in LTD insurance, you may be able to convert the coverage to an individual policy. You are not eligible to continue LTD coverage if you retire from the university, you have not been insured for at least 12 consecutive months under the policy, or you are disabled under the terms of the policy. To convert your LTD:

  1. Determine your premium using the Conversion Premium Calculator.
  2. Review the Conversion Enrollment Kit for additional details and submit the Employer Questionnaire and your completed Conversion Application to the HRSC within 31 days of the date you lose coverage.
  3. The HRSC will complete the Employer Questionnaire and return the application to you.
  4. Mail your application and employer questionnaire along with payment directly to the insurance company.

Long-Term Care (LTC)

If you are enrolled in long-term care insurance, you and your spouse may continue coverage through direct home billing. Direct home billing will not change your premium rate. Other covered family members may continue their direct home billing. To avoid cancellation of coverage, please contact the insurance company, CNA, at 1-888-825-0353 within 60 days of the date you lose coverage.