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PEBB Continuation Coverage (COBRA) is a continuation of health coverage for individuals and families, at the individual’s own expense, when the individual terminates employment.
When you notify your employer of your intent to retire or separate from employment, PEBB will send you a Continuation Coverage Election Notice, which begins a 60-day window in which you must apply for PEBB Continuation Coverage (COBRA) coverage. If you do not apply for PEBB Continuation Coverage (COBRA) during this timeframe, you will not be eligible for coverage. If you use PEBB Continuation Coverage (COBRA) as a "bridge" to PEBB retiree insurance coverage, you must be eligible to retire when your PEBB Continuation Coverage (COBRA) coverage ends.
Exception: If you are leaving a school district or educational service district that does not provide PEBB retiree insurance coverage while you are working, enroll in COBRA through your employer's insurance program.
If you wish to apply for PEBB retiree insurance coverage when your PEBB Continuation Coverage (COBRA) coverage ends, you must meet the requirements of your retirement plan at the time of application to be eligible to enroll in or defer PEBB retiree insurance coverage.
Contact PEBB if you are unsure of the eligibility requirements for PEBB retiree insurance coverage.
|Action to take if you are enrolling in coverage:||Action to take if you are deferring coverage:|
|6 months prior to COBRA coverage ending||Contact DRS to request a retirement estimate.||Contact DRS to request a retirement estimate.|
3 months prior to your 65th birthday or terminating employment at age 65 or older
Contact Social Security Administration (SSA) to enroll in Medicare Part A and Part B if you or any dependents you wish to cover are entitled to Medicare, due to either age or disability. Make sure you understand the Initial Enrollment Period (IEP) and Special Enrollment Period (SEP) for Medicare and how these timelines affect the start date of Medicare.
Be sure to apply for Medicare prior to the month you turn age 65. The SSA does not allow you to defer Medicare when you are on PEBB Continuation Coverage (COBRA) coverage and you could incur a penalty.
|3 months prior to PEBB Continuation Coverage (COBRA) coverage ending||
||Request a Retiree Enrollment Guide.|
|30-60 days prior to retirement||
PEBB must receive the form no later than 60 days after employer-paid coverage, COBRA coverage or continuation of coverage ends. If enrolling in a Medicare plan, PEBB should receive the forms prior to the month the retiree coverage begins. You may want to keep a copy of your forms for your files.