212-695-7495 info@camlife.com

News & Thought Leadership

Federal COBRA, NY and NJ State Continuation Guidance

Is your company subject to Federal COBRA or State Continuation Rules? Below you will find helpful information to ensure compliance. 

For employers with 20 or more employees

Federal COBRA rules apply to employer groups with 20 or more employees that maintain group health plans.  
These employers are responsible for administering COBRA continuation coverage for their terminated employees. 

Administration can be done in-house or outsourced to a third party administrator (TPA).                                          


For employers with fewer than 20 employees

COBRA does not apply to groups with fewer than 20 employees. Instead, the New York and New Jersey continuation of coverage program (or, mini-COBRA) applies to terminated employees of groups of under 20.  
Pursuant to Chapter 236 of the NY Laws of 2009, a person who is an employee or member of a group may continue group health insurance coverage for up to a total of 36 months regardless of the reason that the person lost eligibility for coverage.


Employer Model Notice: 

New York State Continuation Coverage Election – Model Notice

New Jersey State Continuation Coverage Election – Model Notice


Additional information

Visit the NY Department of Insurance Website
Visit the NJ Department of Insurance Website  
Feel free to contact Cambridge at (212) 695-7463  




Print Friendly, PDF & Email
Arthur Grutt