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Certificates of Creditable Coverage

The participant will receive, free of charge, a certificate of creditable coverage when the participant and his or her dependents lose health care coverage, become eligible for COBRA continuation coverage or exhaust COBRA continuation coverage. A certificate must also be provided free of charge upon request while the participant has health coverage or anytime within 24 months after coverage ends.

Certificates of creditable coverage should contain information about the length of time the participant and his or her dependents had coverage as well as the length of any waiting period for coverage that applied to the participant and his or her dependents.

If a certificate is not received, or if the information on the certificate is wrong, the participant should contact the prior plan or issuer. The participant has a right to show prior creditable coverage with other evidence — such as pay stubs, explanations of benefits, letters from a doctor — if the participant cannot get a certificate.