Resources   General Resources Insurance Partnership cobra		Cobra         Massachusetts Mini-COBRA Continuation of Benefits applies to companies of 2-19 employees. The Massachusetts small group continuation of coverage law (Mini-COBRA) requires small group carriers to provide for the continuation of health benefits to employees and their dependents who leave employment for reasons other than gross misconduct. Under certain circumstances, such as death of employee, divorce, etc., dependents are also eligible for continuing coverage. Benefits are continued at the employee's/dependent's expense. Mini-Cobra does not apply to dental benefits. Mini-COBRA details COBRA applies to companies with 20 or more employees. COBRA is a federal law that gives employees and their covered dependents the right to continue group health coverage on a self-paid basis if eligibility for the employer-sponsored group medical and dental is lost. For COBRA details For both Mini-Cobra and COBRA: 18 Months of COBRA eligibility is available if: +   An employee is terminated for reasons other than gross misconduct, or +   An employee’s hours of employment are reduced to the extent that eligibility for employer-sponsored medical and dental benefits would ordinarily be lost. 36 Months of COBRA eligibility is available: +   To the eligible dependents of an employee who dies while employed, or +   To the eligible dependents of an employee who goes on Medicare, or +   To the divorced spouse of an employee, or +   To a child of an employee who loses eligibility for dependent coverage due to age or loss of dependent status. COBRA is not available if: +   An employee or dependent is covered by another group health plan at the time of the qualifying event, +   An employee or a dependent later becomes covered by another group health plan, unless that plan contains a pre-existing condition exclusion, or +   An employee is dismissed for gross misconduct. The enrollment deadline is 60 days following the date of a qualifying event, or the date on which you receive notice from your employer, whichever is later. Download documents Cobra Rules and Sample Letter Cobra Election Form HSA Cobra Election Form MBA Blue Cross Continuation of coverage