Loss of Coverage and COBRA
Termination of Employment & Benefits Coverage
Benefits Coverage: Employees who end their employment with LSS will have benefits coverage continue through either the 15th of the month (if employment ends on the 1st through the 15th day of the month) or the last day of the month (if employment ends on the 16th of the month or later), except for flexible spending accounts (FSA) which end the day before the employee’s termination date.
COBRA Continuation of Benefits: Employees will be provided the opportunity to continue their coverage of medical, dental and vision insurance as well as healthcare FSA if they choose to elect COBRA. COBRA enrollment forms will be mailed directly to the employee’s home within 14 days of losing coverage. Please note that if one has a healthcare FSA, they may only submit claims for services/expenses dated prior to their termination date (claims must be submitted within 90 days), unless they elect to continue and fund their healthcare FSA through COBRA. For more information on COBRA including rates for coverage, please review the “COBRA Continuation of Health Coverage” section to the right.
Retirement Benefits: Once an employee has received their final paycheck from LSS, they may contact the LSS HR Benefits Department at 314-262-8263 to request their AUL Retirement Distribution paperwork. (If an employee is eligible for the LSS “defined benefit plan” or “pension plan” that was frozen in 2006, they should call 314-446-2487).
Educational Benefits: Any employee who leaves LSS who has received financial educational assistance may owe a balance of the benefit received back to LSS in accordance with that program’s written policy and agreement. If the amount owed exceeds the amount possible to deduct from the employee’s final paycheck(s), the amount or remaining amount will be due and payable to Lutheran Senior Services immediately (or based upon a mutually agreed-upon repayment plan). Employees should contact their HR Director to discuss a repayment plan.
Life Insurance Continuation: If an employee wishes to continue their life insurance benefits, they must complete and submit the application to do so within 31 days of your separation of employment. Please contact Christina Ahrens at 314-446-2568 to obtain the application paperwork.
Voluntary Benefits Continuation: If an employee wishes to continue any Hospital, Critical Illness and/or Accident benefits coverage, they should watch for a letter sent to their home from Voya with instructions on how to do so.
If an employee has any questions concerning benefits, they should call the vendors at the numbers below:
Anthem: 1-833-585-3158, Group #: 004009901
Express Scripts: 1-877-860-9259, Group #: LSSLVNG
Delta Dental: 1-800-335-8266, Group numbers: 21731000-1001 for the basic plan or 21732000-2001 for the enhanced plan
Eye Med Vision Care: 1-866-939-3633, Group# 9797630
LFG Life/AD&D: MyLincolnPortal.com (LSS code: lssliving), Group #: 09-LF0908
LFG Long-Lerm Disability (LTD): MyLincolnPortal.com (LSS code: lssliving), Group #: 09-LF0908
Voya voluntary benefits: 1-877-236-7564, Group #: 70587-0
Wex Health– Flexible Spending Accounts (FSA), Health Savings Accounts (HSA), & COBRA: 1-866-451-3399
COBRA Continuation of Health Coverage
COBRA provides eligible current and/or former employees, spouses, and dependents the right to temporary continuation of health coverage at group rates if they lose eligibility. This coverage, however, is only available when coverage is lost due to certain specific events. Group health coverage for COBRA participants will be more expensive than health coverage for active employees, since LSS pays a part of the premium for active employees while COBRA participants pay the entire premium plus a 2% administrative fee themselves. LSS Benefits for which COBRA continuation is available are medical, dental, vision, and healthcare FSA. Employee Assistance Program (EAP) benefits through ComPsych also continue through COBRA.
For prices on coverage offered through COBRA in 2024 click here and click here for 2025 COBRA prices. For more information on COBRA rights and responsibilities, please visit DOL.gov, or speak with your Human Resources representative.
