Montclair State University at Little Falls train station platform with parking garage in background


Employees or their dependents covered by the New Jersey State Health Benefits Program (SHBP) who lose coverage may be able to continue health benefits coverage under COBRA.

When Benefits Coverage Ends

Employees who terminate employment will have their coverage terminated the first of the month immediately following termination.

For example, Employees who terminate employment from January 1 – January 31 will have their coverage end on February 1.

Note: 10- or 12-month members who retire employment on July 1 will have their coverage terminated on August 1.

Employees who involuntary terminated employment will be covered through the end of following month.

For example, Employees who involuntary terminated employment on June 30 will have their coverage end on July 31.

COBRA-Qualifying Events

You may be eligible to apply for COBRA if you meet one of the following criteria:

  • Cut back in working hours
  • Leave of absence
  • End of employment (except for gross misconduct)
  • Divorce or end of partnership
  • Dependent child turns age 26
  • Death of the employee or retiree


For information on COBRA Rates for 2020, view the Plan Year 2020 – COBRA page within New Jersey’s Division of Pensions and Benefits website.

2020 COBRA Rates

How to Apply for COBRA

  • If a COBRA-qualifying event occurs, Montclair State University’s Human Resources Benefits Team will send a COBRA Notice and application via UPS mail to the address listed in Workday.
  • Employees who at retirement are eligible to enroll in SHBP or SEHBP Retired Group coverage cannot enroll in COBRA.