COBRA Plans for Retirees

COBRA Plans for Retirees

Retirees are also offered Cobra Continuation Coverage. The enrollment is managed by Discovery Benefits through the Mercer Platform. Retirees can receive up to two packets regarding retiree insurance for retirees pre-65. Post-65 retirees will receive three packets. Please read the Understanding Cobra vs. Retiree coverage document under Helpful Tools to decide which option is best for you. A retiree can pick and choose from both the cobra options and retiree options, but a retiree cannot have double coverage for the same benefit.

After your employment ends, if you were covered by Windstream’s plan on your last day of employment, you should receive notice of your eligibility to elect COBRA within 2‐3 weeks. Once you receive your cobra election paperwork you can use the registration code found under the “New Member Login Notice” section to make your elections electronically. Please reference the Guide to Cobra Member Portal in Helpful tools to walk you through the steps of enrolling online. If you have questions about your cobra benefits offerings please call Discovery Benefits 877-248-0510(Option-2) from 7 a.m. to 10 p.m. EST (M-F). The Discovery Benefits Participant Services team can be reached by email to assist with billing and enrollment issues by at the following email address mercermarketplacebilling@serviceaccount.com.

If you and any of your dependents are covered under a Windstream sponsored group medical, dental or vision plan, your coverage will cease at the end of the month in which your termination of employment occurs. However, by law, you are entitled to continue group coverage (for you and your covered dependents) for up to 18 months beyond the date your coverage would otherwise cease.  (Coverage may be continued longer than 18 months in certain circumstances.) If you choose to continue coverage, you will generally pay the full cost of your coverage plus a 2 percent administrative fee. Qualified beneficiaries for COBRA coverage only include individuals who were covered by a group health plan on the day before a qualifying event and who were either an employee, the employee’s spouse, or the employee’s dependent child.