What is COBRA?
COBRA stands for "The Consolidated Omnibus Budget Reconciliation Act" is a federal law that allows certain employees and their eligible dependents the opportunity to elect a temporary extension of health coverage called "continuation" or "COBRA" coverage at group rates in specific instances when coverage under the plan would otherwise end.

What is ARRA?
The American Recovery and Reinvestment Act of 2009 (ARRA) reduces the COBRA premium in some cases. The premium reduction is available to certain individuals who experience a qualifying event that is an involuntary termination of employment at some time on or after September 1, 2008 and before December 31, 2009 and are being offered the opportunity to elect COBRA continuation coverage.

Department of Labor (DOL) Appeal of Denied ARRA Eligibility – For information on the DOL appeal process or if you believe you are eligible for ARRA, but you were denied for the premium reduction assistance, you may file for a review online with the DOL at www.dol.gov/ebsa/COBRA/main.html.