If you elect COBRA coverage through Lifetime Benefit Solutions, you have 24/7 access to your account through our online portal. The member portal allows you to:

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• View your plan and payment information
• Update your personal contact information
• Make a single payment or set up automatic recurring payments
• Set your communication preferences and view past messages

View detailed information on setting up your COBRA account for the first time.

If you have questions regarding online registration or the COBRA member portal, our dedicated customer service team is here to help. Call us at 1-800-828-0078, Monday through Friday 8:00 am - 5:00 pm EST.

Save time and hassles with LBS COBRA & Premium Billing

Stay up-to-date and worry-free with the LBS COBRA & Premium Billing App! Manage your plans 24/7 through the intuitive design and navigation while on the go. Powerful features of this app include (if supported by your account):

Plan Information

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• Get visibility on payments made to your plan
• View notifications and receive messages from your administrator to stay up-to-date on your record
• Click to call or email Customer Service

Making Payments

• Make one time payments when most convenient for you
• Schedule future and recurring payments to put you at ease
• Use your bank account or credit card

Elections

• Pick and choose the plan(s) that best suits you
• Avoid the hassle of paper by utilizing the latest in secure mobile payment technology
• View what you elected to better understand your coverage level, and make changes if needed

I am considering retirement at 63 & 1/2 years of age. I understand that I would be covered under COBRA until at age 65 when Medicare kicks in. My question has to do with my wife, who would be 61 at the time I retire. Since COBRA seems to have a 36 month limit, would she be covered until she becomes 65 and eligible for Medicare? Would the trigger for a spouse apply when I become eligible for Medicare to extend the time of her coverage, or would we have to find a private plan for that extra year?

The Consolidated Omnibus Budget Reconciliation Act (COBRA) requires that employees may elect COBRA health insurance coverage from the date of the qualifying event for a limited period of 18 or 36 months.

The length of time depends on the type of qualifying event that made you eligible for COBRA continuation coverage. The group health plan, may provide longer periods of coverage beyond the maximum period required by law.

When the qualifying event is the covered employee’s termination of employment or reduction in hours of employment, qualified beneficiaries are entitled to 18 months of continuation coverage.

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When the qualifying event is the end of employment or reduction of the employee’s hours, and the employee became entitled to Medicare less than 18 months before the qualifying event, COBRA coverage for the employee’s spouse and dependents can last until 36 months after the date the employee becomes entitled to Medicare.

For other qualifying events, qualified beneficiaries must be provided 36 months of continuation coverage.

Is COBRA Right For You?

There are alternatives to COBRA continuation available. Get an affordable insurance quote or call us at 877-262-7241 and we can help you find an ACA certified health plan.