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Outsource COBRA for Expert Administration

The Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1985 requires employers of 20 or more full time equivalent employees to offer their employees the opportunity to continue their group healthcare coverage under the employer's plan, if the coverage would end due to employee termination, layoff, or certain other employment status changes (referred to as "qualifying events"). This includes any event that changes the employee's eligibility for benefits except gross negligence. The continuation of coverage applies to surviving spouses, ex-spouses, and dependents of employees as well.

Even though the law impacts healthcare insurance, COBRA is an "employer law". This means that the employer has certain responsibilities under COBRA and is liable for COBRA failures. Non-compliance can result in financial penalties to the employer.

As a result, proper notices and tedious recordkeeping make COBRA a perfect opportunity for outsourcing to Sterling to provide COBRA administration.

Advantages to Employers

There are many advantages to working with Sterling for COBRA administration:

  • As with all of our administration services, Sterling is unique in our delivery of personal touch service and attention to detail. We have experienced industry experts on staff in sales, customer service and operations support to educate, set-up, and administer COBRA for employers.
  • We offer a complete package of standard COBRA administration services, as well as many optional services. We take care of the detailed paperwork required for installation, set-up, and ongoing administration to insure legal compliance.
  • With COBRA as part of our product portfolio, employers experience the convenience of having one administrator for consumer directed healthcare plans - HSAs, HRAs, FSAs, and POPs - as well as COBRA.
  • We also take care of the qualifying beneficiaries during COBRA enrollment and ongoing account management for the duration of COBRA coverage to make sure they have a resource to answer questions.

For more information, go to Products and Services, COBRA.

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