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COVID-19

COVID-19 Deadline Extensions

The IRS, Department of Labor, and other federal agencies released an update on health plan filing extensions due to the COVID-19 outbreak. This Rule recognizes that "participants and beneficiaries covered by group health plans, disability or other employee welfare benefit plans, and employee pension benefit plans may encounter problems in exercising their health coverage portability and continuation coverage rights, or in filing or perfecting their benefit claims" and as such offers relief through the extension of certain deadlines and notification timeframes regarding your health plan (medical, FSA, HRA) and COBRA.

  • Group health plan sponsors and administrators have more time to provide you with a COBRA election notice.

  • Certain routine actions associated with COBRA elections and continuation coverage are suspended for the duration of the COVID-19 "Outbreak Period", which is defined as the period from March 1, 2020 until 60 days after the date that the federal government declares the COVID-19 emergency to have ended.

  • Adverse actions, such as permanent termination of your COBRA eligibility or coverage, will not be taken during the official, declared Outbreak Period


WHAT THIS MEANS FOR YOU

You may have additional time to take certain actions regarding your health plan and COBRA continuation coverage, including:
  • Enrolling in COBRA continuation coverage
  • Paying the premiums for COBRA continuation coverage
  • Submitting claims for health plan benefits (Medical, FSA, HRA)
  • Disputing denials of claims for health plan benefits (deadline to file appeals of adverse benefit determinations and get external review of claim denials, if applicable)
  • Notification date for individuals to tell a health plan of a qualifying event or disability

The deadlines above are extended by disregarding the "Outbreak Period" when calculating the deadline. The Outbreak Period is the period from March 1, 2020 until 60 days after the date that the federal government declares the COVID-19 emergency to have ended.


WHERE TO FIND MORE INFORMATION

Read the Frequently Asked Questions (FAQs)** published by the IRS and DOL.