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Information About COBRA Subsidy Under The American Rescue Plan Act Of 2021

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Mar 312021
 

THE AMERICAN RESCUE PLAN ACT (ARPA) SIGNED INTO LAW BY PRESIDENT BIDEN ON MARCH 11, 2021, INCLUDES SEVERAL PROVISIONS REQUIRING IMMEDIATE ACTION BY EMPLOYERS. AMONG THE PROVISIONS INCLUDES A 100% FEDERAL SUBSIDY OF COBRA PREMIUMS DURING THE PERIOD OF APRIL 1, 2021, THROUGH SEPTEMBER 30, 2021.

COBRA Subsidy Overview:

For a limited period, the ARPA requires employers to cover 100% of the cost of continuing group health coverage under COBRA for up to six months for “assistance eligible individuals” or “AEIs”. An AEI is a current or former employee who has lost coverage under their employer’s health care plan due to a reduction in hours or involuntary termination (for reasons other than gross misconduct). This will effectively allow AEIs (and their spouses and dependent children) to continue employer-sponsored health insurance coverage without having to contribute towards the premium costs through September 2021. Individuals who voluntarily terminated their employment are not eligible, and all other COBRA Qualifying Events do not quality for ARPA’s COBRA subsidy.

What Employers Need to Know:

  • Employers will need to identify their AEIs. AEIs are employees or former employees who lost health plan coverage within the past 18 months (on or after November 1, 2019), because of an involuntary termination of employment or reduction in hours.
  • AEIs and family members who currently have COBRA coverage will be eligible for a 100 percent subsidy of their premiums for up to six months (through September 30, 2021). The employer, insurer, or multiemployer plan sponsor will offset the cost by claiming a credit against Social Security and Medicare payroll taxes.
  • AEIs and family members who lost coverage because of involuntary termination or reduction in hours after November 1, 2019, but who either did not elect COBRA or let their COBRA lapse, will have until 60 days after receipt of the notice to elect COBRA beginning April 1st. Any election for these participants would be prospective only, and not retroactive to the date coverage was lost. It is unclear whether these election deadlines will supersede the previous Department of Labor extension for COBRA elections.
  • Employers will need to send the below notices to each of these AEIs (and their covered family members) within 60 days after April 1, 2021. The Department of Labor is supposed to issue model notices within 30 days of enactment.

    – General Election Notice- Employers must provide a General Election Notice to AEIs who first become eligible for subsidized coverage between April 1st and September 30th, 2021. This notice must provide AEIs with information regarding premium assistance.

    – Special Election Notice- Employer must provide a Special Election Notice to AEIs who previously elected and discontinued COBRA coverage or declined COBRA coverage between November 2019 to March 31, 2021.

    – Expiration of Subsidy Notice- Employers must provide this notice to AEIs to alert them that the subsidized aspect of their COBRA coverage will expire on a certain date.This notice must be provided between 15 to 45 days before the subsidy ends.

  • The ARPA subsidy does not extend COBRA coverage—coverage will still expire 18 months after coverage was lost, even if that is in the middle of the subsidy period. Apart from ARPA, coverage can be extended for a second qualifying event (up to a total of 36 months). ARPA does not address whether the subsidy will apply during that period.
  • Any AEI or family member who is or becomes eligible for other group health coverage or Medicare is not eligible for the subsidy. The individual has the obligation to notify the employer if he or she is not eligible or loses eligibility.
  • Employers can allow AEIs to enroll in other health plan options offered by the employer (rather than the option the AEI was enrolled in prior to the loss of coverage) if that other option is less expensive.
  • The subsidy is not taxable to the COBRA beneficiary.
  • There is no income cap for the subsidy.

    While this subsidy goes into effect in a matter of days, there are still many questions yet to be answered. As the DOL releases model notices, regulations, and other guidance, R+R will continue to update clients on the COBRA subsidy.

    If you have questions about new COBRA subsidy requirements or how it will impact your business, Contact R+R’s Director of HR Services Katie Hall at katieh@reynoldsrowella.com.

Submitted by Reynolds + Rowella
  of Ridgefield, CT

Tips From The Orange Recycling Committee

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Jan 182014
 

logo and image finalFollowing is a tip from the Orange Recycling Committee. HERE is a 40 second video.

Make sure that your recycling bin is facing the street the correct way.

The arrow on top of the bin must be pointing toward the street. The metal grab bar will be facing the street.

The truck runs with a mechanical arm. Only items INSIDE the bin can be picked up by the automatic pick-up “arms” on the side of the truck. Do not leave items outside of the bin or in any other container.

The town starts a new 4 day recycling schedule on the week of Feb. 4.

New To Town? Have Children? Register For School!

 School News  Comments Off on New To Town? Have Children? Register For School!
Jul 012012
 

All of your Orange Elementary Schools

If you are new to the town of Orange and have school aged children, you may want to jot these dates down on your calendar now.

This information is posted on the Orange Board of Education website.

The school Administrative Assistants will return on Thursday, Aug. 9.

The following is a list of registration dates for those new to the district.

Friday August 10

Mary L. Tracy  9:00 – 11:30  (203-891-8028)

Race Brook   12:00 –   2:30  (203-891-8030)

Monday, August 13

Turkey Hill       9:00 – 11:30  (203-891-8040)

Peck Place     12:00 –  2:30  (203-891-8034)

 

Mary L. Tracy School, 650 Schoolhouse Lane, Orange – Kindergarten

Principal Colleen Murray, cmurray@orange-ed.org

See school website at https://www.oess.org/mlt/

Kindergarten Registration

If your child is turning five on or 
before January 1, 2013, it is time to register for the kindergarten school year of September 2012 to June 2013.

Please contact Mary L. Tracy School to receive a kindergarten registration packet.
Telephone (203-891-8028)
 Email kregistration@orange-ed.org

If you are leaving a telephone message or sending an email, please give your child’s name, date of birth, address, and telephone number.

The school office will be closed over much of the summer.  You may still leave a message.  Summer registration will be the morning of August 10th.

Parents are requested to bring their child’s birth certificate, TWO proofs of residency, physical and immunization records at the time of registration.

If you have any specific questions about your child, please contact the principal.

 

Race Brook School, 107 Grannis Road, Orange – 1 – 6

Principal Michael Gray

See School website at https://www.oess.org/rbs/

Race Brook School Registration for New Incoming Gr.1 – Gr. 6 students will take place on Friday, Aug. 10 from 12:00 p.m. to 2:30 p.m. Parents are requested to bring their child’s birth certificate, TWO proofs of residency, physical and immunization records at the time of registration.

 

Turkey Hill School, 441 Turkey Hill Road, Orange – 1-6

Principal Stephen Bergin, (Newly Hired)

School website at https://www.oess.org/ths/

Turkey Hill School Registration for New Incoming Gr.1 – Gr. 6 students will take place on Monday, Aug. 13 from 9 a.m. to 11:30 a.m. Parents are requested to bring their child’s birth certificate, TWO proofs of residency, physical and immunization records at the time of registration.

 

Peck Place School, 500 Peck Lane, Orange – 1-6

Principal Eric Carbone, (Newly Hired)

School website https://www.oess.org/pps/

Peck Place School Registration for New Incoming Gr.1 – Gr. 6 students will take place on Monday, Aug. 13 from 12:00 p.m. to 2:30 p.m. Parents are requested to bring their child’s birth certificate, TWO proofs of residency, physical and immunization records at the time of registration.