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Consolidated Omnibus Budget Reconciliation Act (COBRA)

The federal Consolidated Omnibus Budget Reconciliation Act (COBRA) provides that the same health, dental, vision, Medical Reimbursement Account (MRA), and Employee Assistance Program (EAP) benefits be made available for employees, former employees, and dependents when they lose coverage after a qualifying event.

Employee Rights

COBRA allows benefited employees (and any covered dependents) to continue health, dental, vision, MRA, or EAP benefits at their own expense for up to 18 months of coverage (except for the MRA, which continues to the end of the current year). 

Cal-COBRA extension of 18-months will be made available for medical and EAP plans following the initial 18 months of Federal COBRA.

COBRA coverage begins the 1st of the month following one of the qualifying events below:

  • Termination of employment (other than for gross misconduct).
  • Loss of benefited status whether by reduction in work hours or change in job classification.

For more information about your benefits under COBRA, see the COBRA Notice of Rights and Obligations.


Employees have a maximum of 60 days from the day they lose coverage to elect to continue their health coverage premiums through COBRA. Once the separation is finalized in the City's HR/Payroll system, a personalized COBRA packet from the P&A Group will be mailed to the home address on file.


Employees who elect to continue coverage through COBRA are responsible for paying a premium equal to 102% of the entire premium cost.  Payment is made to P&A Group Administrative Services, Inc. monthly during the initial 18 months of federal COBRA then paid directly to the Medical and/or EAP carriers during Cal-COBRA*(if elected).

*Different Rates may apply to Cal-COBRA coverage


  • For general benefit questions or questions on when you should expect to receive a COBRA Enrollment Kit, please contact:

Human Resources-Employee Benefits
Phone: (408) 535-1285
Fax: (408) 999-0862

  • For questions about enrollment, payment, or COBRA benefit changes, please contact:

P&A Group - COBRA Division
Phone: (800) 688-2611

**Note:  If you were enrolled in the MRA, DCAP, or Commuter Benefits as an active employee, you can use your same log-in info as a COBRA participant and continue to manage applicable benefits.

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