Guest robkt Posted September 25, 2000 Posted September 25, 2000 Each employer sponsored health plan that issues an SPD becomes a separate election for COBRA purposes. If major medical and dental are under one SPD and the hospital is under another SPD and the vision plan under another SPD - then at the qualifying event the employee/beneficiary is allowed to pick and choose what benefits he wants to elect as long as he was enrolled in that plan the day before the Q event? I need clarification on this. Is there a penalty for employers that don't allow the pick & choose elctions?
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