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Topic: Consolidated Omnibus Budget Reconciliation Act of 1986

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	Consolidated Omnibus Budget Reconciliation Act (COBRA Fact Sheet)
		A law enacted in 1986 helps workers and their families keep their group health coverage during times of voluntary or involuntary job loss, reduction in the hours worked, transition between jobs and in certain other cases.
		The law — the Consolidated Omnibus Budget Reconciliation Act (COBRA) — gives workers who lose their health benefits the right to choose to continue group health benefits provided by the plan under certain circumstances.
		COBRA generally requires that group health plans sponsored by employers with 20 or more employees in the prior year offer employees and their families the opportunity for a temporary extension of health coverage (called continuation coverage) in certain instances where coverage under the plan would otherwise end.
	www.dol.gov /ebsa/newsroom/fscobra.html (618 words)

	[No title]
		The Submerged Lands Act, 43 U.S.C. 1301 et seq., grants the coastal states the right and power to manage and use the submerged lands adjoining their respective coasts.
		On April 24, 1986, petitioner Louisiana brought this action (in which petitioner state lessees subsequently intervened) against the federal government and Samedan in the United States District Court for the Western District of Louisiana.
		The complaint stated, inter alia, that the adjacent federal and state tracts are underlain by three individual, producing common reservoirs and that approximately 84% of the total original recoverable reserves in the three reservoirs underlie Louisiana's submerged lands and 16% underlie the federal domain (Pet.
	www.usdoj.gov /osg/briefs/1987/sg870135.txt (1461 words)

	Seattle University - HR Policy Manual
		6.2 The Consolidated* Omnibus Budget Reconciliation Act of 1986 (COBRA)
		According to the Act, an employee is entitled to review and receive information about the University's welfare and pension plans (see Sections 5.3 through 5.8 for plan outlines).
		The Consolidated Omnibus Budget Reconciliation Act of 1986 (Cobra): http://www.dol.gov/dol/topics/health-plans/cobra.htm
	www.seattleu.edu /services/hr/policymanual/hrm_Benefits2.asp (442 words)

	COBRA Insurance Law Information Page
		That changed in 1986 with the passage of health benefit provisions in the Consolidated Omnibus Budget Reconciliation Act (COBRA).
		{3} The Omnibus Budget Reconciliation Act of 1986 contained amendments to the Internal Revenue Code and ERISA affecting retirees and family members who receive post-retirement health coverage from employers involved in bankruptcy proceedings begun on or after July 1, 1986.
		If a qualified beneficiary is determined under Title II or XVI of the Social Security Act to have been disabled at the time of a termination of employment or reduction in hours of employment and the qualified beneficiary properly notifies the plan administrator of the disability determination, the 18-month period is expanded to 29 months.
	www.cobrainsurance.net /COBRA_Health_Insurance/COBRA_Law_Information.htm (3285 words)

	Health Plans and Preferred Provider Organizations (PPOs) FAQ's (Site not responding. Last check: 2007-10-12)
		COBRA is an acronym for the federal Consolidated Omnibus Budget Reconciliation Act of 1986.
		This federal law allows terminated employees and their families who may lose group health care coverage because of termination of employment, death, divorce, or other life events to continue the group coverage for specified periods of time.
		This federal law places limits on exclusions for preexisting conditions, prohibits discrimination against employees and their families based on their health status and guarantees renewability and availability of health coverage to certain employees and their families.
	www.michigan.gov /cis/0,1607,7-154-10555-26239--,00.html (606 words)

	Article
		Act or FMLA means the Family and Medical Leave Act of 1993, Public Law 103-3 (February 5, 1993), 107 Stat.
		Group health plan means any plan of, or contributed to by, an employer (including a self-insured plan) to provide health care (directly or otherwise) to the employer's employees, former employees, or the families of such employees or former employees.
		Under section 101(5)(B) of the Act, a public agency is considered to be a "person" engaged in commerce or in an industry or activity affecting commerce within the meaning of the Act.
	www.agenet.com /Category_Pages/document_display.asp?Id=1529& (2651 words)

	Glossary :: Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA) (Health Insurance) :: FinancialWheel.com (Site not responding. Last check: 2007-10-12)
		Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA) (Health Insurance)
		Allows individuals to continue benefits under a group plan for a period of time in which the benefits would normally have terminated.
		The coverage can be continued for up to 18 months and the coverage is available for the original enrolled person/persons and their dependents.
	www.financialwheel.com /glossary/viewterm/Consolidated-Omnibus-Budget-Reconciliation-Act-of-1986-(COBRA)-(Health-Insurance) (69 words)

	Legislative Acts (Site not responding. Last check: 2007-10-12)
		Employers must be sure that plan provisions do not unfairly impact one of these protected classes.
		Pregnancy Discrimination Act (an amendment to the Civil Rights Act) requires group health plans sponsored by employers that are subject to the act to provide coverage for pregnancy, childbirth, and related medical conditions on the same basis as they provide coverage for other medical conditions.
		Employers are required to continue to make group health benefits available to workers while they are on leave.
	www.weight4me.com /hcare/acts.htm (192 words)

	National Active and Retired Federal Employees Asociation (Site not responding. Last check: 2007-10-12)
		As a result of a misinterpretation of a federal budget law [Section 15204 of the Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA) (P.L. 99-272)], the annuities of many federal employees who worked part-time in the final years of their careers are substantially lower than they should be.
		Language was included in an early version of the Federal Workforce Flexibility Act of 2003, civil service reform legislation introduced by Senator George Voinovich (R-OH), which remedied this error for current federal employees — but not for persons already retired.
		However, the part-time provisions were dropped from the final bill before it was passed by the House and Senate and signed into law by President Bush on October 10, 2004 (P.L. On February 1, 2005, Rep. Jim Moran introduced H.R. 480, legislation that would rectify this inequity for federal annuitants and workers.
	www.narfe.org /leg/guest/articles.cfm?ID=445 (357 words)

	The Robbi Davis Agency : Glossary of Terms
		The amount you are required to pay for medical care after you satisfy the annual deductible, if any.
		For example, you may pay only $15 for an office visit or $10 for a prescription drug and the health plan covers the rest of the medical charges.
		In a POS plan, a primary care doctor acts as a gatekeeper and refers patients to other providers in the plan, but members can refer themselves outside the plan and still get some coverage.
	www.robbidavisagency.com /glossary.html (1004 words)

	EMTALA: The Basic Requirements, Recent Court Interpretations, and More HCFA Regulations To Come (Site not responding. Last check: 2007-10-12)
		The Emergency Medical Treatment and Active Labor Act (EMTALA) was originally enacted as part of the Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA), 42 U.S.C. Section 1395dd.
		Congress added this new section (Section 1867) to the Social Security Act due to wide-spread concerns that hospitals were turning away or transferring patients who were in need of emergency medical care but who were unable to pay for the needed services.
		Documentation by patients or someone acting on their behalf for an informed refusal of treatment, or an informed request for or refusal of transfer.
	www.aaem.org /emtala/watch.shtml (1477 words)

	Sample Medicaid Mandates [Mackinac Center for Public Policy]
		The Omnibus Budget Reconciliation Act of 1987, the 1989 Health and Human Services requirements and other Medicaid mandates cost Michigan $40 million in fiscal year 1990 alone, and that figure is expected to rise to.$137 million by Fiscal Year 1995.
		Individually, the Military, Labor, Education, Management and Budget, Treasury, and Commerce departments are operating on Fiscal Year 1993 budgets ranging from only $28 to $61.6 million – considerably less than the aforementioned $95.3 million needed to cover the costs of federally mandated Medicaid legislation.
		When juxtaposed against the historical growth rate of the entire state general fund budget of 5.5 percent (1981-1990), and anticipated Fiscal Year 1993-1994 growth of 4.5-5.0 percent, it is easy to see why many legislators are growing alarmed with the situation.
	www.mackinac.org /5722 (820 words)

	HIV/AIDS Policy Development
		The Americans with Disabilities Act of 1990 (ADA), which prohibits discrimination in employment on the basis of a person's disability, and which requires employers to make "reasonable accommodations" for qualified individuals with disabilities.
		The Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA), which allows staff/workers to continue their health insurance coverage at their own expense for a period of time after their employment ends.
		The Health Insurance Portability and Accountability Act of 1996 (HIPAA), which attempts to address some of the barriers to healthcare facing people with HIV as well as other vulnerable populations.
	www.brta-lrta.org /program/hivaids-policy.htm (265 words)

	ALTERNATIVES TO COBRA INSURANCE
		You asked what options are available to people who lose their jobs and cannot afford to pay the COBRA premiums to continue their employer’s group health insurance.
		This so-called COBRA coverage was established by a federal 1986 Consolidated Omnibus Budget Reconciliation Act.
		In 2003, average annual premiums nationally for employer-sponsored health insurance were $ 9,068 for a family and $ 3, 383 for an individual (counting both the employer’s and employee’s share), according to the Kaiser Family Foundation’s 2003 Employer Benefits Survey.
	www.cga.ct.gov /2004/rpt/2004-R-0069.htm (641 words)

	Insurance Summary (Site not responding. Last check: 2007-10-12)
		(Consolidated Omnibus Budget Reconciliation Act of 1986) allows you to continue your health insurance for a short period of time (18 to 36 months) upon resignation or termination of employment or for family members to continue an individual coverage under certain circumstances.
		COBRA (Consolidated Omnibus Budget Reconciliation Act of 1986) allows you to continue your health insurance for a short period of time (18 to 36 months) upon resignation or termination of employment or for family members to continue an individual coverage under certain circumstances.
		Federal law requires most employers sponsoring group health plans to offer employees and their families the opportunity for a temporary extension of health coverage (called "continuation coverage") at group rates in certain instances where coverage under the plan would otherwise end.
	www.taylor.k12.fl.us /employees/benefits/insurance.benefits.summary.html (1890 words)

	Message to the Congress on Energy Security
		Pursuant to Section 3102 of the Consolidated Omnibus Budget Reconciliation Act of 1986 (Public Law 99 - 509; 100 Stat.
		Because of these actions, the United States is now capable of withstanding a supply interruption comparable to the 1973 and 1979 interruptions without experiencing the same economic distress.
		Secretary Herrington's recent report on energy security points out three major concerns: (1) our increasing dependence on imported oil; (2) the sudden decline in oil prices in 1986, which has harmed significant segments of the U.S. petroleum industry; and, (3) the serious implications for national security raised by both of these events.
	www.reagan.utexas.edu /archives/speeches/1987/050687d.htm (764 words)

	Health Benefits Under (COBRA) - The Consolidated Omnibus Budget Reconciliation Act
		That changed in 1985 with the passage of health benefit provisions in the Consolidated Omnibus Budget Reconciliation Act (COBRA).
		Congress passed the landmark Consolidated Omnibus Budget Reconciliation Act (COBRA){1} health benefit provisions in 1985.
		Life insurance, however, is not a benefit that must be offered to individuals for purposes of health continuation coverage.
	consumerlawpage.com /brochure/cobra.shtml (3265 words)

	InsWeb Insurance Glossary Health Insurance Terms (Site not responding. Last check: 2007-10-12)
		(H) See Consolidated Omnibus Budget Reconciliation Act of 1986.
		Legislation providing for a continuation of group health care benefits under the group plan for a period of time when benefits would otherwise terminate.
		It can be provided by someone without professional medical skills or training but must be according to doctor's orders.
	www.insweb.com /learningcenter/glossary/health-c.htm (1398 words)

	Kentucky: Personnel Cabinet - COBRA (Site not responding. Last check: 2007-10-12)
		COBRA stands for the Consolidated Omnibus Budget Reconciliation Act of 1986.
		This notice was designed to give you a summary of COBRA and what rights you and your dependents have upon your loss of group health coverage.
		The right to COBRA continuation coverage was created by a federal law, the Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA).
	personnel.ky.gov /stemp/dei/05planyear/cobrahi.htm (2174 words)

	AHIRC Glossary (Site not responding. Last check: 2007-10-12)
		A payment method in which a health plan pays a hospital or physician a fixed amount per patient, regardless of the amount or types of services the patient requires.
		The Consolidated Omnibus Budget Reconciliation (COBRA) Act of 1986 is a federal program that ensures continuity of medical insurance coverage when an individual terminates a job or shortens his/her work hours.
		There is usually a maximum amount of Co-Insurance that is incurred each year before the plan kicks in at 100% for the rest of the year.
	www.actorsfund.org /ahirc/glossary.html (1595 words)

	COBRA and HIV/AIDS
		The Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA) allows employees to continue their health insurance coverage at their own expense for a period of time after their employment ends.
		For most employees ceasing work for health reasons, the period of time to which benefits may be extended ranges from 18 to 36 months.
		Note: Life insurance is not a benefit that must be offered to individuals for purposes of health continuation coverage.
	www.brta-lrta.org /law/cobra.htm (206 words)

	Why COBRA Should Not Be The Only Option For Displaced Workers
		The bill's legislative language restricts displaced workers' access to affordable private coverage by limiting its assistance to highly expensive COBRA coverage authorized under the Consolidated Budget Reconciliation Act of 1986, thereby excluding many workers from receiving any assistance for private coverage at all.
		Instead, Congress can ensure that all displaced workers are eligible for assistance and are able to obtain the private health care coverage of their choice.
		Such a proposal was passed twice by the House of Representatives during the economic stimulus debate, was endorsed by the President, and attracted bipartisan support in the Senate, but Majority Leader Thomas Daschle (D-SD) blocked any consideration by the Senate.
	www.heritage.org /Research/HealthCare/WM95.cfm (1205 words)

	Business & Health: California case could raise COBRA costs - Law Report - Consolidated Omnibus Reconciliation Act ... (Site not responding. Last check: 2007-10-12)
		Under a recent federal court decision that could affect all sponsors of employee health benefit plans, a California employer was required to pay for a former employee's medical claims under the Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA), even though the claims were not covered by the employer's only health benefit plan.
		Thus, many employers may consider dropping health care coverage altogether for all employees so that they may avoid COBRA liability.
		His last Law Report for B&H was "Disability act clouds AIDS-coverage issue," February.
	www.findarticles.com /p/articles/mi_m0903/is_n13_v10/ai_13359850 (944 words)

	Seattle Pacific University
		The Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA) requires most employers sponsoring group health plans to offer employees and their families the greatest opportunity to extend health coverage (called COBRA coverage).
		The coverage must be offered at group rates in certain circumstances (called "qualifying events") when coverage would otherwise terminate.
		If you or your dependents do not complete the Election Form and return it to the Plan Administrator within 60 days of receiving the Election Form/Notice of COBRA rights (or within 60 days of the Qualifying Event if that is the later), you and your dependents will lose your right to elect continuation coverage.
	www.spu.edu /depts/hr/cobrnotc.html (1338 words)

	Human Resources (Site not responding. Last check: 2007-10-12)
		Title X of the Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA) requires that all employer-sponsored health plans offer certain employees and their dependents the opportunity to continue health insurance, life insurance, and reimbursement account coverage under the plan after their coverage would normally have ceased.
		Continuation of health and life insurance coverage may be further extended under Minnesota state law.
		You will have 60 days to elect to continue health, life and reimbursement accounts after receipt of notice.
	www.macalester.edu /hr/handbook/sec116.html (122 words)

	HB1038.html
		Title 33 of the Official Code of Georgia Annotated, relating to insurance, is amended by striking subparagraph (b)(15)(D) of Code Section 33-6-4, relating to the enumeration of unfair methods of competition and unfair or deceptive acts or practices, and inserting in lieu thereof a new subparagraph (b)(15)(D) to read as follows:
		If termination results from an act or omission of the perpetrator, the subject of family violence shall be deemed
		All laws and parts of laws in conflict with this Act are repealed.
	www.legis.state.ga.us /legis/2003_04/fulltext/hb1038.htm (6006 words)

	YourAgency.com (Site not responding. Last check: 2007-10-12)
		Payment agreements for health care in which the provider is paid for each service, rather than a pre-negotiated amount for the patient.
		Health Insurance Portability and Accountability Act of 1996.
		It is designed to protect health insurance coverage for workers and their families when they change or lose their jobs.
	www.quotesforbrokers.com /new_templates/optiona/glossary.asp (614 words)

	Health Care Coverage When Unemployed (Site not responding. Last check: 2007-10-12)
		The Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA) allows displaced workers to continue group coverage for themselves and their dependents for at least 18 months.
		COBRA is available for workers who had health insurance through a company that employs 20 or more people and is still in business.
		Your budget, physician preferences, and health requirements all play a role in determining which plan is best for you.
	www.tscpa.org /busconsumer/consume/healthcareUnemploy.asp (720 words)

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