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Simple English definitions for legal terms

COBRA

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A quick definition of COBRA:

COBRA: A law that helps people keep their health insurance when they lose their job or have a big change in their work situation. If you were part of a group health plan at work, you can keep that insurance for a while, but you have to pay for it yourself. This can be cheaper than buying insurance on your own. You have 60 days to decide if you want to keep your work insurance or not. The law only applies to certain employers and lasts for up to 18 months, but sometimes longer.

A more thorough explanation:

COBRA, or the Consolidated Omnibus Budget Reconciliation Act, is a federal law that allows employees and their families to continue their group health benefits under an employer's group health plan if their work situation changes. This means that if an employee loses their job, has their hours reduced, or gets divorced and loses coverage, they can still have access to health insurance through their former employer's plan.

For example, if John loses his job, he can choose to continue his health insurance coverage through COBRA. He will have to pay the full premium for his coverage, but he will still have access to the same health benefits he had while he was employed.

COBRA only applies to group health plans offered by private-sector employers with more than 20 employees, as well as to state and local governments. It does not apply to the federal government. Employers are required to notify eligible employees of their right to continued coverage, and employees have 60 days to decide whether to waive COBRA coverage or not. The continued coverage under COBRA lasts for 18 months but may be extended to 36 months under certain circumstances.

The purpose of COBRA is to ensure that employees who lose their jobs receive health insurance benefits. While the cost of coverage under COBRA can be high, it is often less expensive than coverage an individual would find on the open market because former employees get to pay the employer-negotiated group rate.

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JumpySubsequentDolphin
17:17
I’ve barely gotten through chromakopia I can’t deal with another album drop rn
JumpySubsequentDolphin
17:17
this is so stressful
wait but actually is there no wave today
i dont really like chromakopia that much i also havent gotten thru it
JumpySubsequentDolphin
17:18
idk splitty :(
if there's no gtown today that would be so cruel
surely gtown 12 minutes from now
I'm a chromokopia fan, but I don't like Tyler outside of that album
theres the spirit!!
JumpySubsequentDolphin
17:18
@SplitterusClitterus: did you like cmiygl? that’s one of my all time fave albums
Kind of a controversial take. I like experimental albums a lot
babycat
17:19
liking chromakopia and not Tyler's other stuff is crazy to me
JumpySubsequentDolphin
17:19
perhaps im biased bc i saw him live when he performed cmiygl for the first time
i think it is a controverisal take and i usually do too, i also think im giving an opinion too early cuz i habvent finished it at all
yeah seeing him live prob makes it a million times better
Thought I was dead is great raps
2024 such a great year for rap
JumpySubsequentDolphin
17:21
i like noid
even outside the beef. Noid is great too
JumpySubsequentDolphin
17:22
boogies album was the worst ever
JumpySubsequentDolphin
17:22
and i LOVE boogie
JumpySubsequentDolphin
17:23
like i would do anything for one chance w that man but better off alone and me vs myself were both not good
He's never really been my style tbh
shaquilleoatmeal
17:43
went to eat - did anyone guess the bowl lmao
shaquilleoatmeal
17:43
ooo yall were too busy with that kendrick shit
shaquilleoatmeal
17:45
put me on - whats the first song on the album thats heat
babycat
17:45
I don’t know sweetgreen like that because I’m not part of the PMC. your legs looked super tan though
hey now is my favorite
peekaboo, squabble up, tv off and gnx good too. Heart pt 6 and reincarnated for straight lyricism
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