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Recent changes to both the Federal and New York State COBRA law extends continuation of health coverage to 36 months. Group insurance plans that are subject to the insurance laws of New York State must offer continuation of coverage for 36 months even though the Federal COBRA law only requires continuation of coverage to a terminated employee for only 18 months.

The extension of coverage to 36 months was also expanded in New York State to include the mini-COBRA law which covers employees with less than 20 employees.

For additional information on NYS COBRA laws please visit

The federal ARRA (American Recovery and Reinvestment Act) was extended to February 28, 2010. An individual who is involuntarily terminated from employment between September 1, 2008 and February 28, 2010 may be eligible for a 65% government COBRA premium subsidy. The length of the subsidy was also extended from the initial 9 months to 15 months.

For additional information on Federal COBRA Laws please visit

This information is for general purposes only. It broadly summarizes federal and state laws. Please seek qualified and appropriate counsel for further information and or advice regarding your employee benefits plan.


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