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WorksheetsCOBRA Final Review
Total questions: 45
Worksheet time: 24mins
How many days does an employer have to notify the COBRA Administrator of the initial QE?
30
60
45
14
Is a QB step child, that was not on the original health care plan able to be added to the QB's COBRA Plan during open enrollment?
yes
no
Is a dependent child who is added to the former employee's coverage at Open Enrollment considered a QB?
yes, they are a child
no, they are a dependent and were not on the original plan
yes, they are on the account
If you are approved of disability, you may qualify for _________additional months of COBRA.
4
18
11
36
The Administration fee charged to COBRA PPT is what?
3%
4%
2%
25%
The administration fee charged to those continuing COBRA when they are eligible for disability is?
150%
50%
200%
2%
Which of the following is a Qualifying Life Event?
Birth or Adoption of a new child
New Spouse
Divorce or legal seperation
Dependent losing full time student status
What is the purpose of the COBRA General rights Notice?
inform the potential QB of their rights under cobra
all the QB to elect coverage
inform the qb that COBRA is not available
none of the above
How many days are allowed for a QB to make their first payment?
30
60
90
45
How many days do you have to send in your election notice to elect COBRA?
90
30
45
60
Who is responsible for notifying the QB?
the plan adminstrators
the employer
the employee
third party administrators
Who can be a qualified beneficiary according to COBRA regulations? (choose all that apply)
Covered employee on the plan the day before the QE
Spouse or Dependent children on the plan the day before the QE
Children born or adopted by another QB during COBRA
Divorced spouse of the QB
Which of the following are group health plan subject to COBRA?
Dental
Vison
group term life insurance
Rx plans
long-term care plans
What is the purpose of a COBRA Notice of Unavailability of Continuation Coverage?
to notify the QB of natural expiration of COBRA continuation coverage
notify the QB of a state continuation option
notice providing explanation to some one who has provided notice of a QE and who is not entitled to continuation of coverage through COBRA.
Notice explaining that the QBs former employer is not responsible for continuation coverage under the law.
COBRA coverage may terminate (check all that apply):
upon marriage
when the period of eligibility ends
when premiums are not paid in a timely manner
upon a change in premium
COBRA premium payments will only be accepted from the qualified beneficiaries receiving the coverage.
true
false
Select the 18-month qualifying events.
Termi nation
Reduction in hours
divorce
dependent ages out of insurance coverage at 26
Select the 36-month qualifying events.
Death of a covered employee
divorce or legal speration
dependent losing dependint status
covered employee becoming medicare entiled
resignation
COBRA premiums are considered to be “less than significantly short” if they are the lesser of ____ % of the premium or $ _______ short. (Select the correct answers below)
$50
10%
$100
15%
The purpose of a COBRA Election Notice is to allow a qualified beneficiary to elect available group plan coverage. (True or False)
True
False
What is the purpose of the COBRA Notice of Early Termination?
To inform all QBS that the PQB has been terminated form their employment and they should seek new health care insurance.
To inform all QBs of unavailability of continuation coverage
tp provide all affected QBs with a specific notice of when coverage is terminated BEFORE the end of the maximum coverage period.
To allow all QBs to elect coverage after a qualifying event.
Scenario: Chris is a covered employee of Company R. He and his wife, Lillian, are both covered on the group health plan. On June 30, 2014, Chris retires and they both elect COBRA beginning on July 1, 2014.
Chris and Lillian notified their plan administrator about Lillian’s disability and they were granted eligibility until November 30, 2016, or up to a total of 29 months from the loss of coverage.
On May 4, 2016, Chris dies. With proper notification, must the plan administrator offer Lillian an additional 7 months of continuation for a total period of eligibility of 36 months?
yes
no
An employee or qualified beneficiary must be afforded at least ______ days after a dependent qualifying event or second qualifying event to provide written notification.
60 days
90 days
30 days
45 days
Scenario: Samantha, a qualified beneficiary on Company W’s health plan, is receiving COBRA coverage due to the death of the covered employee (her father). Must the COBRA coverage period be extended if she subsequently turns the age of 26 and loses dependent status as defined by the plan?
yes
no
An employee taking a leave under the Family and Medical Leave Act is a COBRA qualifying event which entitles the qualified beneficiaries up to a total of 18 months of continuation.
true
false
An employee or qualified beneficiary must be afforded at least _______ days after a HIPAA special enrollment event to provide written notification.
30 days
45 days
60 days
90 days
Must a group health plan provide COBRA coverage to a spouse who loses coverage because of a divorce if notification of the divorce is provided more than 65 days after the divorce is final?
yes
no
A QB being on Medicare and then experiencing a QE will not allow the QB to continue their COBRA coverage.
true
false
If a COBRA continuant loses his/her coverage due to the employer terminating all group health plan, is this a second qualifying event?
yes
no
Scenario: Ann is a single employee who voluntarily terminates employment from Company B and elects COBRA continuation of coverage under her group health plan. One month after electing COBRA, Ann marries and adds her spouse Davis to her coverage.
Ann then dies during the COBRA coverage period.
Must Company B offer an additional 18-month COBRA extension to Davis (for a total of 36 months)?
yes
no
The COBRA General Notice must be sent within _______ days of the employee becoming eligible.
30 days
60 days
90 days
45 days
Scenario: Lindsay is an employee who is covered on the health plan with Company X. Lindsay’s hours with Company X are reduced to part-time status on October 4, 2014, causing her to lose her group health plan coverage effective October 31, 2014.
Assuming Company X took the entire allotment of time provided under the law to notify the plan administrator, by what date must Company X notify the plan administrator of Lindsay’s qualifying event?
oct. 18, 2014 14 days from the QE
oct. 31, 2014 coverage loss date
nov. 14, 2014 14 days from coverage loss date
Nov. 30, 2014 30 days from coverage loss date
Dec. 14, 2014 44 days from coverage loss date
Scenario: Gary is an employee of Company F and is on the group health plan. Gary voluntarily terminates his
employment with Company F, causing his group health plan coverage to end on January 31, 2014.
Company F provides the plan administrator with notification of the qualifying event on February
5, 2014. The plan administrator, in turn, postmarks Gary’s COBRA election on February 10,2014. What Date does the ppt need to have his notice turned in by?
march 02, 2014 30 days from loss date
March 12, 2014 30 days from the plan administrator post marked election date
April 6, 2014 60 days from notification of QE
April 11, 2014 60 days from the plan administrator post marked election notice
Scenario:
Helen is a former employee of Company W whose group health plan coverage ends December 31, 2014 due to an involuntary termination of employment (layoff).
Company W provides the plan administrator with notification of the qualifying event on January 9, 2015. The plan administrator, in turn, postmarks Helen’s COBRA election on January 20, 2015.
Helen makes her COBRA election electronically on February 27, 2015. By what date must Helen have her initial premium payment postmarked?
April 28, 2015 60 days from the election date
April 13th, 2015 45 days from the election date
March 21, 2015 60 days from the plan administrator post marked election notice
Feb 19, 2015 30 days from the plan administrator postmarked election notice.
A company with 24 employees for more than 50% of the previous year must offer coverage under COBRA.
true
false
Invoices ______ required to be sent according to the COBRA regulations.
are
are not
Scenario: Jimmy is an employee of Company Q and is on the group health plan. Jimmy voluntarily terminated his employment with Company Q on March 5, 2014, with his group health plan coverage terminating on March 31, 2014. He elects COBRA continuation of coverage and his 18-month eligibility period will begin on April 1, 2014.
The Social Security Administration sent him a Disability Award Letter dated December 15, 2014. Jimmy’s Certificate of Disability indicates his disability onset (start) date is February 10, 2014, the date of his accident.
By which date must Jimmy notify the plan administrator of his disability?
April 12, 2014 60 days
Feb. 13, 2015 60 days from social security administrations post marked award letter
Sept. 30, 2015 18 months
unnecessary to inform the plan administrator
A COBRA payment for the month of March is post-marked on March 28, 2015. WageWorks receives the payment on April 8, 2015. The payment was processed on April 10, 2015. Was this payment considered timely under the COBRA regulations?
yes
no
Scenario: Chip is an employee working for Company A. He and his wife, Rebecca, are on the group health plan. On June 1, 2014, Chip becomes entitled to Medicare. In an effort to save money, Chip decides to cancel his active group medical plan from Company A and remain solely on Medicare until he decides to retire in the next few years.
Because of these events, Chip’s wife, Rebecca, loses her medical plan through Company A as well. Since Rebecca is only 62, she is not eligible for Medicare at this time.
Must Company A offer Rebecca any time under COBRA due to her loss of coverage as of June 1, 2014?
yes
no
Scenario: Adam is currently a COBRA participant due to his termination of employment with Company R dated June 8, 2014. His employee only coverage lasted until the end of the month with COBRA beginning on July 1, 2014.
In November 2014, Adam is offered the chance to change his coverage due to open enrollment with the new plan year beginning on January 1, 2015. Adam adds his wife of 15 years, Megan, to his medical coverage as well as vision and dental coverage for both of them.
On May 9, 2015, Adam dies in a traffic accident. With proper notification of Adam’s death, how much time must Megan be granted under COBRA?
none
18 mo
29 mo
36 mo
Scenario: Tom is a full time employee on Company P’s COBRA eligible health plan. On June 11, 2008, Tom suffers a work related injury and files for disability through the Social Security Administration.
Tom continues to work since his injury did not force him to stop working with Company P. On May 15, 2009, Tom is sent his award letter from Social Security.
On June 30, 2014, Tom retires from Company P and is sent an election notice granting him 18 months of COBRA continuation benefits beginning July 1, 2014.
By which date must Tom present his award letter to his plan administrator if he wishes to keep his COBRA benefits through the disability extension for a total of 29 months?
june 11, 2008 on set dayt
August 10, 2008 60 days
july 14, 2009 60 days from social security postmark date
august 29, 2014 60 days from loss of coverage
Scenario: Janet and her husband, Philip, are covered on a COBRA eligible health plan through her employer. On August 7, 2014, Janet resigns and they both decide to elect COBRA.
On June 19, 2015, Philip dies. With proper notification, must the former employer offer Janet additional coverage for up to a total of 36 months?
yes
no
Scenario: Steve is an employee of Company T and is currently on the COBRA eligible group health plan. On July 3, 2014, Steve retires and subsequently elects COBRA which began on August 1, 2014.
On February 15, 2015, Steve is involved in an accident and is left paralyzed from the
waist down. On March 20, 2015, Steve applies for disability from the Social Security
Administration and is approved. The Social Security Administration sends Steve his award letter on May 5, 2015.
Steve provides notification of his disability to WageWorks on May 10, 2015. Must the
company allow Steve to continue COBRA for up to 29 months (i.e., December 31, 2016)
due to the disability extension for COBRA?
yes
no
Scenario: David is an employee at Company G. He and his wife, Heather, are on the COBRA eligible group health plan at Company G. On September 30, 2014, David resigns from Company G and is offered COBRA beginning on October 1, 2014.
David and Heather elect COBRA together. On May 31, 2015, David and Heather get legally divorced. With proper notification of the divorce, must Company G offer Heather up to a total of 36 months of COBRA ending on September 30, 2017?
yes
no
Scenario: Jim and Patty are employees at Company A. Even though they are married to each other, they chose to keep individual health and dental plans.
On July 9, 2014, Jim retires and is offered COBRA. Jim elects his health and dental plans under COBRA with coverage beginning on August 1, 2014.
On February 10, 2015, Jim dies. Must the company offer Patty any eligibility under COBRA due to Jim’s death for a total of 36 months ending on July 31, 2017?
yes
no
