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Simple English definitions for legal terms

Consolidated Omnibus Budget Reconciliation Act (COBRA)

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A quick definition of Consolidated Omnibus Budget Reconciliation Act (COBRA):

The Consolidated Omnibus Budget Reconciliation Act (COBRA) is a law that helps people keep their health insurance when they lose their job or have a change in their work situation. If someone was part of a group health plan at their job and they have a qualifying event like losing their job or getting divorced, they can choose to keep their health insurance for a certain amount of time. They have to pay for it themselves, but it's usually cheaper than buying insurance on their own. COBRA only applies to certain employers and the coverage lasts for up to 18 months, but it can be extended in some cases.

A more thorough explanation:

The Consolidated Omnibus Budget Reconciliation Act, also known as COBRA, 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 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 under COBRA, and employees have 60 days to decide whether to waive coverage or not. The continued coverage under COBRA lasts for 18 months, but it 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.

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9:31
some people hate him. some people love him, but he a real one: https://youtu.be/w5oEqiVQcF4?t=173
9:32
[kevin oleary]
worthless i trust you implicitly you know what it will happen now.
worthless i trust you implicitly you know what it will happen now.
worthless i trust you implicitly you know what it will happen now.
worthless i trust you implicitly you know what it will happen now.
worthless i trust you implicitly you know what it will happen now.
WorthlessAttractiveZombie
9:34
I mean if Fordham doesn't release today I will purposefully get on a train, go to new york, and then take the stinkiest shit inside the admission office's toilet (potentially clogging it and forcing them to get a plumber)
IS IT ONLY ON MY END WHY DID THAT SEND TEN MILLION TIMES
HELLO
WorthlessAttractiveZombie
9:35
it sent a million times lol
WHAT HAPPENED
yeah i thought you were tweaking for a second
i'm so sorry everyone what the actual fuck this website hates me
WorthlessAttractiveZombie
9:35
Jack's just tweaking on LSD no biggie
to be fair this accurately represents my mental state
election day psychosis coming in hot (fordham)
usc pls pull through .....
i literally just need one A so i can relax before my ED decision
WorthlessAttractiveZombie
9:38
oh that's right USC might release
soapy
9:43
USC still has not looked at my app
WorthlessAttractiveZombie
9:43
when did you submit soapy?
soapy
9:44
10/16
WorthlessAttractiveZombie
9:44
to be fair it took them almost 2 months for me to go under review
soapy
9:44
Feelin a bit stressed, as I've got no date change for Michigan either despite applying 10/7
WorthlessAttractiveZombie
9:45
I have not had a date change either for Mich but I've seen people get in without one so who knows
I applied 9/25 to like 6 schools and some (Houston) have no date change yet so dw
soapy
9:46
But do people get in without addresses going long?
WorthlessAttractiveZombie
9:46
it's tough to tell because a lot of people type out their addresses long to begin with
soapy
9:46
Ah. I didn't. Looking back, my Mich supplement kind of sucks, so there's that
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