WHEN COVERAGE ENDS
Know the timing and the next steps.
Different benefits end on different dates. This summary helps you plan, while official plan documents and continuation notices govern.
Life portability form
End of the termination month
Medical, dental, vision and voluntary post-tax benefits generally continue through the end of the month containing the employee's termination date.
Termination date
Flexible Spending Accounts and other benefits generally end on the termination date.
FSA claims
Employees have 90 days from termination to submit claims for eligible services received from November 1 through the termination date.
Life insurance portability
Employees with supplemental life insurance or employer-paid group term life of $10,000 or more may have an option to port coverage, subject to plan rules and deadlines.
Continuing health coverage
You may be able to continue medical, dental and vision coverage through COBRA or state continuation. An election notice will explain your options, costs and deadlines. Follow the dates in that notice.