Benefits Continuation Policy

Benefits Continuation While on Approved Unpaid LOA Policy

The Benefits Continuation Policy defines the maximum period of benefits continuation, per leave type, with an employee responsible for only the Employee portion of the insurance premium, while on an approved unpaid leave of absence.  The maximum period is tracked in a rolling 12-month period. 

The benefits continuation period depends on the type of approved leave an employee is on:

  • While on an approved unpaid leave of absence under the Family Medical Leave Act (FMLA), benefits will continue through the duration of the approved FMLA period.
  • While on an approved unpaid Military Leave of absence, benefits will continue for up to 12 months.
  • Any other leave that is not an approved FMLA or Military Leave of absence will be considered Non-FMLA and benefits will continue for up to a maximum of 4 pay periods

Paying for benefits while on leave

If in a paid status while on leave, benefit premiums will continue to be deducted from an employee’s paycheck. Benefits will continue to remain active unless the employee experiences a termination of employment.

If in an unpaid status while on leave, benefit continuation tracking will start, and premiums will begin building an accrual balance.  Upon return to work, or when an employee begins receiving a County Payroll paycheck, benefit deductions will be doubled each paycheck until the accrual balance is zero.  If an employee does not return to work he/she will be billed for the unpaid premiums.

Benefits termination

Benefits will terminate on the final day of the month following the maximum benefits continuation period.  If an employee’s benefits terminate, they will be offered the option of electing COBRA coverage.  COBRA paperwork will automatically be mailed to the home address on record after benefits have terminated.

Prior to experiencing a termination of benefits, an employee will receive notification mailed to the home address on record that will explain this process and advise of the potential benefits termination date. 

Returning to work after a leave of absence

If benefits terminate while an employee is on an approved unpaid leave of absence, they will want to contact the Employee Benefits Division immediately upon return to work to discuss reinstatement of benefits. Benefits can only be reinstated within 30 calendar days from the return to work date.

Additional questions?

Please refer to the Benefits Continuation Policy Presentation (PDF) or contact the Employee Benefits Division at (602) 506-1010.