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Benefits after Separation

Benefit Options after Separation from NSU

Whether you are leaving NSU to pursue new opportunities, or you're retiring to enjoy South Florida's sunny beaches, there are a few things you should know about your benefits once your employment ends.

  1. Your benefit coverage at NSU ends at midnight on your last day of employment, premium collection varies based on your date of separation or loss of eligibility. 
  2. If you separate from employment or lose eligibility for benefits between:
    • The 1st through the 15th of the month, you will not be billed for premium for the month.
    • The 16th through the end of the month, you will be billed for premium for the month.

The drop down menus below contain resources you'll need to find out more information about your benefit options after employment with NSU ends. Including: 

  • Options for continuing your benefits under COBRA
  • Eligibility and participation in the ICUBA Retiree Health Plan
  • Links to the Marketplace Exchange and ICUBA's Private Exchange
  • Options for portability or conversion of your basic and optional term life insurance.

Remember, if at any time you have questions just email HR4U@nova.edu, we're here to help!

Eligibility for Benefits

Benefits as an NSU employee end at midnight on your last date of employment in an eligible position. 

Notification for eligibility to continue coverage under COBRA is sent via US Mail within 14 days of your last date of employment directly from ICUBA's administrator. COBRA provides continuation of coverage retroactive from the date of eligibility after the COBRA premium has been paid.

Employees eligible for continuation of benefits under COBRA may experience gaps in coverage until premium has been received by ICUBA's administrator. 

A sample COBRA packet is available the Separation Resources content box. 

Questions can be directed to:

Continuon Services
PO Box 7127
Atlanta, Georgia 30357-7127
877-747-4141

What is a certificate of creditable coverage?

Generally, creditable coverage is credit for the amount of time previously enrolled in creditable health coverage when moving from one employer plan to another or when moving from an employer plan to an individual policy. A certificate of creditable coverage provides information about prior coverage for the purpose of reducing the amount of time a plan can apply a preexisting condition exclusion. 

Who supplies the certificate of creditable coverage?

Generally, plan administrators, issuers, and individual insurance companies are responsible for issuing certificates of creditable coverage. For employees separating service from NSU, ICUBA and their administrators will provide the certificate via US Mail. 

When will the certificate be issued?

Generally, the certificate must be furnished automatically to an individual or qualified beneficiary within a reasonable amount of time after a loss of coverage. 

How can former employees request a certificate?

Employees who have separated service and eligible covered dependents of employees who have separated service, can request  a certificate of creditable coverage by contacting ICUBA via phone at 866-377-5102 or via email at benefitsadministration@icuba.org

The Continuation of Benefits under COBRA

What is COBRA?

COBRA is the Consolidated Omnibus Budget Reconciliation Act and provides certain former employees, retirees, spouses former spouses, and dependent children the right to temporarily continue coverage at group rates. Review the Sample COBRA Packet.

Who is eligible for COBRA?

To be eligible for continuation of coverage under COBRA a person must be a qualified beneficiary.  A qualified beneficiary is generally defined as an individual covered by a group health plan on the day before a qualifying event who is either an employee, the employee's spouse, or an employee's dependent child. In certain cases, a retired employee, the retired employee's spouse, and the retired employee's dependent children may be qualified beneficiaries. In addition, any child born to or placed for adoption with a covered employee during the period of COBRA coverage is considered a qualified beneficiary. 

What is a COBRA Qualifying Event?

Qualifying events are certain events that would cause an individual to lose health coverage. The type of qualifying event will determine who the qualified beneficiaries are and the amount of time that a plan must offer the health coverage to them under COBRA.

The qualifying events for employees are:

  • Voluntary or involuntary termination of employment for reasons other than gross misconduct
  • Reduction in the number of hours of employment

The qualifying events for spouses are:

  • Voluntary or involuntary termination of the covered employee's employment for any reason other than gross misconduct
  • Reduction in the hours worked by the covered employee
  • Covered employee's becoming entitled to Medicare
  • Divorce or legal separation of the covered employee
  • Death of the covered employee

The qualifying events for dependent children are the same as for the spouse with one addition:

  • Loss of dependent child status under the plan rules
Contact ICUBA's COBRA Administrator:
Continuon Services
PO Box 7127
Atlanta, Georgia 30357-7127
By phone: 1-877-747-4141
By email: cobra@csllc.com

ICUBA Retiree Health Plan Options

ICUBA offers two health care plans to eligible employees retiring from NSU.

  • The ICUBA Retiree Health Plan is the same plan provided to eligible employees at NSU.
  • The ICUBA Retiree Supplement Plan (Medicare Supplement).
  • Retirees can also elect to continue ICUBA dental and vision coverage.
  • Vested Health Reimbursement Arrangement (HRA) balances can be used to pay for health care expenses and premium after separation.

If you decline to elect an ICUBA Retiree Health Plan after separation, you will not be able to enroll at a later time.

What is the ICUBA Retiree Health Plan?

The ICUBA Retiree Health Plan is the same plan available to active employees. In order to be eligible, you must have been enrolled in coverage for at least 3 consecutive months prior to your separation and have a combination of age and years of service that equals 65.

Eligibility Scenarios

What are my options if I am under the age 65?

If you retire before attaining age 65 you will be offered the ICUBA Retiree Health Plan1  or the option to continue coverage under COBRA. You can also explore options on the Health Care Marketplace. ICUBA provides access to a private Marketplace Exchange where you can compare available plans and review your options before making a decision.

What are my options if I am 65 or older?

If you are age 65 or older you will be offered the ICUBA Retiree Health Plan2 , the ICUBA Retiree Medicare Supplemental Plan, or the option to continue coverage under COBRA.  You can also explore options on the Health Care Marketplace. ICUBA provides access to a private Marketplace Exchange where you can compare available plans and review your options before making a decision.

Who can I cover under the ICUBA Retiree Health Plan?

If you are eligible and cover only yourself at the time of retirement:

  • You would only be able to cover yourself.
  • You would not be able to cover your spouse or domestic partner.

If you are eligible and cover a spouse or domestic partner at the time of retirement:

  • You would be able to cover both you and your spouse or domestic partner, or
  • You would be able to elect coverage for yourself only.

What if I am 65 or older and my spouse or domestic partner have not yet reached age 65?

You: If you are age 65 or older you will be offered a choice to remain on the ICUBA Retiree Health Plan or switch to the ICUBA Retiree Medicare Supplemental Plan. 

Your spouse or domestic partner: If your spouse or domestic partner is under 65 he/she will be offered the ICUBA Retiree Health Plan that he/she was enrolled in during the 3-month period immediately prior to your date of retirement.

What if my spouse or domestic partner is 65 or older and I have not yet turned 65?

Your spouse or domestic partner: If your spouse or domestic partner is age 65 or older he/she will be offered a choice to remain on the ICUBA Retiree Health Plan or switch to the ICUBA Retiree Medicare Supplemental Plan.

You: If you are under 65 and were enrolled in the ICUBA Health Plan during the 3-month period immediately prior to your date of retirement you will be offered the ICUBA Retiree Health Plan.


1 The ICUBA Retiree Health Plan criteria for age and years of services must be met. Retiring employees must be covered for 3 consecutive months prior to retiring, actively enrolled in coverage at the time of retirement, and have a combination of age and years of service that equal 65.

2 The ICUBA Retiree Health Plan requires Medicare-eligible participants to enroll in Medicare Parts A and B once they attain age 65 or are otherwise eligible. At age 65 both the ICUBA Retiree Health Plan and the ICUBA Retiree Medicare Supplemental Plan pay secondary to Medicare and will pay benefits based on the premise that the retired participant elected coverage under Medicare Parts A and B, regardless of whether the retired participant actually has.

Public and Private Marketplace Exchange Options

Employees separating from services at NSU may be eligible to purchase coverage through the Marketplace Exchange or through ICUBA's Private Marketplace Exchange.

You can review coverage options on the Marketplace Exchange online at www.healthcare.gov/exchange.

As an NSU employee separating service you also have access to ICUBA's Private Marketplace Exchange where you can review coverage and compare options online at getinsured.com/ICUBA

Are you Eligible for Portability or Conversion?

Employees separating service from NSU may be eligible for portability or conversion of their basic and optional term life insurance through Reliance Standard. Portability or Conversion options are unique for each NSU employee. If you are separating from NSU and would like to explore your options, follow the steps  below.

  1. Contact the Reliance Standard Customer Service department directly for portability or conversion options1.
  2. Complete and return the necessary application to Reliance Standard.
  3. Remit the necessary premium payment to Reliance Standard when due (if you are eligible).
Contact Reliance Standard
NSU's Group LIfe Policy Certificate
Group Life Policy Number: GL 152576
P.O. Box 7698
Philadelphia, PA 19101-7698
By phone: 1-800-351-7500
By fax: 1-267-256-3518

1 You must contact Reliance Standard within 31 days of your date of separation from NSU for portability or conversion options!


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