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COBRA and Age 29 Coverage


COBRA Premium Assistance for Eligible Entertainment Industry Employees

Frequently Asked Questions

How do I receive the subsidy?  Does it come directly to me?

Answer: No. The premium assistance will go to the union that is providing your COBRA coverage.  Your union will then credit or reimburse you.

If I was over the income level this month but am losing my job, can I apply when my income is lower?

Answer: Yes. When you apply, we look at the previous full month's income for eligibility. For example, if you apply in August, we need proof of income for the month of July.  So, if your income exceeds the threshold in June, you can wait until August to apply and submit your income for July.

Do I have to count my spouse’s income even if my spouse is not covered under my policy?

Answer: Yes. Your spouse’s income must be included in your household income.

Can I start paying 25% of my premium once I am accepted into the program?

Answer: No. You should continue to pay your full premium so that you do not risk losing your health insurance coverage.  Please contact your union fund to find out when the subsidy has been applied to your premiums.

How long does it take for my application to be reviewed and either accepted or rejected?

Answer:  Your application is reviewed initially for completion.  If you do not submit all required documentation, then the process is delayed. We review applications as quickly as we can, and they are reviewed on a first come, first served basis.

Is my W-2 a better indicator of my average income?

Answer: No, because that is not documentation of your gross monthly income.  For your gross monthly income please submit copies of paychecks, paycheck stubs, letters from previous employers, benefits checks, etc.

Should I count my residuals as part of my income?

Answer: Yes.  Please include all sources of income, including wages, residuals, awards, and benefits earned for the most recent month.

Once I have received 12 months of premium assistance, may I receive any premium assistance in the future?

Answer: Premium assistance is limited to 12 months within a 5-year period.  If, after 5 years, you have a new COBRA qualifying event, you may apply for a new 12-month period of premium assistance.

What other health insurance options are available?

Answer: You and your family have many new health insurance options available through NY State of Health: The Official Health Plan Marketplace. You can quickly compare health plan options and apply for assistance that could lower the cost of health coverage. Individuals and families may also qualify for free or low-cost coverage from Medicaid or Child Health Plus through the Marketplace. Anyone can apply.