Remember as a child how the puzzle pieces were big and fit together rather easily, especially after repetition? As the pieces got smaller and more numerous, it became a challenge to put the puzzle together. Some might think of COBRA in the same manner. Understanding how the pieces fit together
is easy until there are more complicated pieces to the puzzle, such as workers’ compensation, leaves of absence or severance packages.

Each of these pieces can cause distress for someone handling COBRA. Let’s start with the outside pieces of the puzzle that fit together nicely. Anyone who has a qualifying event plus a loss of coverage needs to be offered COBRA. The inside pieces become the complex portion. When does someone given
a severance package, in a layoff situation or out on workers’ compensation get an opportunity to elect COBRA?

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