WKU Coverage End Date:
Last day of month of termination (6/30/2021
Continuation, Portability or Conversion Options of Existing Coverage:
- COBRA continuation coverage – Generally lasts for 18 months but may be extended up to 36 months in certain circumstances. WKU’s third-party administrator, Employers Risk Services (ERS), will send a notification letter to employees after separation. See COBRA rates.
Possible Post Separation Insurance Options:
- Spouse’s employer-based coverage. If your spouse/partner is enrolled in a different employer’s group health plan, he/she has up to 30 days from the date of the qualifying event – you losing coverage – to add you to his/her coverage.
- Health Insurance Marketplace – Losing job-based coverage qualifies you for a Special Enrollment Period (SEP). This means you can enroll in a health plan outside of Open Enrollment (Nov.1 – Dec. 15). You can apply to the Marketplace with a SEP any time from 60 days before and 60 days after your separation date.
- Medicare (if eligible)
- Individual policy through an insurance Broker or Agent
Insurer/Administrator's Contact Information: