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Reduction in Force (RIF) and Health Coverage

State employees who lose their jobs as a result of a reduction in force (RIF) will continue to have coverage under the State Health Plan for up to 12 months, as long as the employee:

  • was covered by the Plan at the time of separation from service.
  • has 12 or more months of service or is an employee of local school administrative unit and has completed a contract term of employment of 10 or 11 months.

Employees may continue coverage for themselves and their eligible dependents during this 12-month period. Employees who elect not to continue coverage under RIF immediately following separation from employment may not obtain RIF coverage at a later date.

An employee is no longer eligible for RIF health coverage if the employee is provided health coverage on a non-contributory basis by a subsequent employer. Members, who are receiving the reduction in force (RIF) health benefit continuation coverage and who are enrolled in the 80/20 Standard plan or have covered dependents, will be billed directly by by the Plan's individual bill administrator, COBRAGuard, for their portion of the premium. COBRAGuard will mail members a Welcome Kit that will outline the billing process prior to receipt of their first bill. Members will have the option to pay their premiums by mail, online, by phone, or automatic bank draft.

If the member is enrolled in the 80/20 Standard plan and the employee portion of the premium is not received within 30 days, the member will be moved to the 70/30 Basic plan. If the member has dependent coverage and the premium is not received within 30 days, coverage for their dependents will be terminated as of the last day of the month through which premiums have been paid.

After 12 months, members and their eligible dependent(s) may continue health coverage on a fully contributory basis. Employees who choose to continue their coverage after the initial 12-month period will be direct-billed by COBRAGuard.

Employees who do not have the required months of service to qualify for RIF benefits may continue health coverage for themselves and their qualified dependents under COBRA at full cost.

For more information on RIF and health coverage, review the Frequently Asked Questions.

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