Subsidy Duration. For example, let’s say an individual was terminated in October 2019 and their COBRA eligibility began November 1, 2019. Who qualifies for the enhanced COBRA subsidy? The ARPA provides for up to six months of 100% COBRA premium subsidies for eligible individuals, during the period of April 1, 2021 through September 30, 2021. The subsidy covers 100% of COBRA premiums, including the 2% administrative fee, for medical, dental and vision coverage during that time. It does not apply to continuation coverage under a health flexible spending account. Eligible individuals use one form to apply for the subsidy (“Request for Treatment as … An employer or plan to whom COBRA premiums are payable is entitled to a taxit cred for the amount of the prmiume assistance. Does the QE have to be COVID-related to qualify for the ARPA Subsidy? COBRA Subsidy Update – ARP. The full subsidy appears to include the 2% administrative fee. But what about employers? Coverage is from April 1 to September 30, 2021, and is also available to people already on the program. New COBRA Subsidy Program: What You Need to Know. COBRA applies to firms with 20 or more … HR and payroll experts warn that employers should not ignore this COBRA premium subsidy or its notice requirements. The notice requirement may be satisfied by using the model notice linked above, amending existing notices, or by including a separate attachment. Under ARRA, the COBRA subsidy was available for up to 15 months. COBRA Subsidy 2021 Eligibility. Under ARPA, the subsidy is available for a limited 6-month window, from April 1, 2021 through September 30, 2021. Also available in Spanish MS Word | PDF. Wednesday, April 28, 2021. Following our April 2021 webinar "COBRA Premium Assistance: Your Questions Answered" on the new COBRA subsidies under the American Rescue Plan Act, we received a number of questions from the webinar attendees. The ARPA’s rules for a 100% COBRA premium subsidy apply to all group health plans subject to the Employee Retirement Income Security Act (ERISA), the Internal Revenue Code, or the Public Health Service Act, whether fully or self-insured. Alice is eligible for the subsidy for coverage for April 1, 2021, through Sept. 30, 2021, assuming other requirements for the subsidy are met (e.g., she is … Premium Assistance for COBRA Benefits . One of the most important problems it aims to solve is the loss of health insurance many American workers have experienced due to loss of employment. The subsidy covers 100% of the COBRA premiums for employees and family members who are losing group health coverage as a result of an involuntary termination of employment or reduction in work hours. It's expected that the subsidy will begin by early April and go through Sept. 30, 2021. As we recently wrote, the American Rescue Plan Act of 2021 (ARPA) provides up to six months of free COBRA coverage, effective April 1, 2021, for certain “assistance eligible individuals.”. A11: For any beneficiary whose 18-month COBRA coverage entitlement period ends September 30, 2021 or later, the end date for the subsidy, as of now, is September 30, 2021. Such individual may also be offered a lower cost group health care option if the employer decides to offer that choice. Under ARPA, certain participants and beneficiaries of employer-sponsored health plans are eligible for a federal subsidy, which will cover for a limited period 100% of the premium for COBRA continuation coverage. This will allow eligible individuals to obtain COBRA continuation coverage for their health plan without paying COBRA premiums. 2. It’s specific. The COBRA subsidy is only available for premiums due from April 1, 2021 through September 30, 2021, referred to as the subsidy period. The subsidy is available for six months, starting from April 1, 2021, to September 30, 2021. ACA SUBSIDY EXPANSIONS. As promised, the U.S. Department of Labor (DOL) then issued … The subsidy pays 100% of premiums, including the 2% administrative charge, for periods of health coverage on or after April 1, 2021 through September 30, 2021. An AEI who (i) becomes eligible for COBRA prior to April 1, 2021, but does not elect COBRA or (ii) elects but then drops COBRA prior to April 1, 2021 (an “Extended AEI”) can elect COBRA during the Subsidy Period and receive the COBRA subsidy. On April 7, 2021, the Department of Labor (“DOL”) issued FAQs regarding implementation of the 2021 COBRA premium assistance (or “COBRA subsidy”). April 23, 2021 by MP. 117-2). Signed by President Biden on March 11, 2021, the American Rescue Plan Act (ARPA) provides a 100% COBRA subsidy for qualified employees and dependents who lose coverage as a result of an involuntary termination or a reduction in hours. Employers must immediately begin preparing for the April 1, 2021, … On May 18, 2021, the Internal Revenue Service (IRS) issued much-anticipated Notice 2021-31 (the Notice) regarding the Consolidated Omnibus Budget Reconciliation Act (COBRA) premium subsidy provisions of the American Rescue Plan Act of 2021 (ARPA). The subsidy is first available April 1, 2021 and ends, unless terminated earlier as described below, on September 30, 2021 (the “subsidy period,” as used herein). ARPA provides a 100% subsidy for COBRA coverage for individuals whose coverage terminated due to a reduction in hours or an involuntary termination of employment. On March 11, 2021, President Biden signed into law the American Rescue Plan Act (ARPA). On March 11, President Biden signed the American Rescue Plan Act of 2021 (ARPA) into law. The subsidy is only available to those whose initial COBRA period ends, or would have ended if COBRA had been elected/did not lapse, during the subsidy period. However, it does not apply to health flexible spending accounts (FSAs). It generally applies to self-insured groups that are subject to COBRA. The subsidy applies to COBRA premiums owed between April 1, 2021, through September . The Rescue Act provides for a 100% COBRA subsidy for up to six months from April 1 through September 30, 2021, for any individual who lost health coverage because of an involuntary termination or involuntary reduction in hours. The 2021 COBRA subsidy was included as part of the American Rescue Plan Act (“ARP”). Instead of the employee paying for the coverage, an employer or plan to whom COBRA premiums are payable is entitled to a tax credit for the amount of the premium assistance. (B) COBRA Premium Subsidy tax credits must be entered by month for entry into isolved. 4. If you are eligible and paid for COBRA during the subsidy period, you will be able to apply for a full refund. The subsidy applies to COBRA premiums for coverage from April 1 through September 30, 2021 3.It does not extend the original COBRA maximum period and it is not yet clear how the subsidy will interact with earlier pandemic relief providing for extensions of various deadlines during the COVID-19 “outbreak period” that began on March 1, 2020. The subsidy would only apply going forward from April 1, but it does apply to dental and vision too. That means that pretty much anyone who lost work when the pandemic began will qualify, as their 18-month COBRA period includes the period from April 1 through September 30, 2021 when the subsidy … To Individuals Receiving the COBRA Subsidy: Between 15 and 45 days prior to the expiration of an individual’s subsidy, employers must notify the individual when the subsidy will end. Model General Notice and COBRA Continuation Coverage Election Notice: MS Word | PDF. COBRA SUBSIDIES. These answers take into account the guidance in Notice 2021-31 issued by Treasury and … On May 18, 2021, the IRS released much anticipated guidance under IRS Notice 2021-31 supplying detailed information on various impl ementation issues related to the COBRA premium subsidy under the American Rescue Plan Act of 2021 (ARPA). 4 (March 11, 2021), relating to temporary premium assistance for Consolidated Omnibus Budget Reconciliation Act of 1985 ( COBRA) continuation coverage. For example, if an employee was involuntarily terminated in August … The COBRA subsidy begins on April 1, 2021, and will end on September 30, 2021; however, the subsidy for an individual will end earlier than September 30, 2021 if the individual loses eligibility for continuation coverage under the normal COBRA rules – e.g., when the 18-month maximum COBRA period has ended – or becomes eligible for disqualifying coverage. so that participants can apply for COBRA beginning with April 2021 coverage. For anyone who became entitled to COBRA before April 1, 2021, and may be eligible for the subsidy for one or more months, groups must notify them of the availability of the subsidy by May 31, 2021. For example, if an individual’s COBRA continuation coverage is set to expire in July 2021, ARPA does not require it to be extended through the end of September simply because the subsidy is available. The guidance is clear that administrators must send COBRA subsidy notices for individuals with qualifying events that occurred before April 1, 2021, giving them a second chance to elect COBRA, by May 31, 2021. For anyone who becomes entitled to COBRA (based on an involuntary termination of employment or a reduction in hours of employment) during the period from April 1, 2021, and September 30, 2021, any COBRA qualifying event notice provided to an eligible qualified beneficiary must include a description of the availability of the subsidy. / in Employee Benefits. All group health plans providing medical benefits subject to the federal or state COBRA obligations will follow the ARPA rules. Subsidy Period. If you are a direct billed … The new subsidy does NOT extend COBRA rights beyond the 18 months of entitlement in effect before ARPA became law; it only impacts the cost to the beneficiary for the designated six-month period. The COBRA subsidy begins April 1, 2021 (the first day of the month following enactment) and lasts through September 30, 2021. The normal deadlines for plan administrators to provide COBRA notices apply. It is not contingent on having COBRA coverage before April 1, 2021… An individual will lose the subsidy (i.e., need to pay the full cost of … According to a recent SHRM article, employers can expect a government funded COBRA subsidy to shortly be a reality. The Notice discusses the background of the subsidy and includes 86 questions and answers (Q&As) about its application. AEIs who elect the COBRA subsidy: The “Model Notice of Expiration of Premium Assistance” must be sent between 15 and 45 days prior to the subsidy ending due to the end of the maximum coverage period or reaching September 30, 2021. Does the subsidy apply to all group health plans and coverages? The new 100 percent premium subsidy applies to individuals eligible for Consolidated Omnibus Budget Reconciliation Act (COBRA… The federal coronavirus stimulus package includes financial relief for people who buy individual health plans or lose their job and qualify for COBRA coverage. COBRA premium subsidy and employer tax credit. Model Notices. Due to a variety of remaining questions surrounding the COBRA subsidies provided under the American Rescue Plan Act of 2021 (ARPA), the Hays Research and Compliance Department has put together the following compilation of frequently asked questions (FAQ). Enter date in MM/YYYY format. The American Rescue Plan Act (ARPA) provides a temporary COBRA premium subsidy for six months beginning on April 1, 2021 and ending September 30, 2021 for individuals who lost group health plan coverage due to an involuntary termination or reduction in hours: this is referred to in this article as the COBRA Premium Subsidy. 2021 American Rescue Plan (ARP) COBRA Subsidy FAQ This FAQ is intended for COBRA eligible employees of the State of Minnesota and those agencies that participate in the State Employee Group Insurance Program (SEGIP). Eligible COBRA qualified beneficiaries who do not have an election in place will have the opportunity to make an election during an Extended Election Period and will be able to take advantage of the subsidy effective April 1, 2021. The American Rescue Plan Act of 2021 (ARPA) has some new rules related to the Consolidated Omnibus Budget Reconciliation Act (COBRA). (For the sake of clarity, we will refer only to COBRA, although some of the rules apply to both.) The IRS has issued 86 Q&As on the COBRA premium assistance provisions of the American Rescue Plan Act of 2021 (ARPA). This means this employee is eligible for the COBRA premium subsidy from April 1 through August 31, 2021, provided the employee makes a timely COBRA election during the original or extended election period. (AEIs can elect COBRA during the special enrollment period even if they had previously elected COBRA and then discontinued coverage or allowed it to lapse.) 117-2). The subsidy is not included in their gross income. UPDATE 3/10/2021: The American Rescue Plan Act has now passed the House and Senate. The new 100 percent premium subsidy applies to individuals eligible for Consolidated Omnibus Budget Reconciliation Act (COBRA) coverage due to either a reduction in hours or an involuntary termination of employment, and it applies for the period from April 1, 2021, to September 30, 2021. View the IRS Notice 2021-31. L. 117-2, 135 Stat. If you’re eligible for COBRA because of a reduction in the hours you work or you involuntarily lost your job, you may qualify for help paying for your COBRA premiums (called “premium assistance”) from April 1, 2021 through September 30, 2021 under the American Rescue Plan Act of 2021, based on how long your COBRA coverage can last. The extended COBRA deadlines under the Joint Relief and EBSA Disaster Relief Notice 2021-1 do not apply to either the 60-day special election period for subsidized COBRA coverage or the deadline for the plan to provide the required ARP notices related to COBRA premium assistance. Also, the subsidy is tax-free to the participant. Individuals who become eligible to elect COBRA during the subsidy period (i.e., they become COBRA eligible between April 1, 2021 – September 30, 2021) must be provided a notice that describes the availability of the premium assistance. The IRS Notice. Questions are organized … To qualify for the temporary COBRA premium relief, the employee must have been involuntarily terminated from employment or experienced a reduction in hours triggering an offer of COBRA coverage. NOTE: ARPA was signed into law March 11, ... period between November 2019 and April 2021 may elect to re-enroll in COBRA as of April 2021 and receive the COBRA subsidy. The COBRA premium subsidy is available to assistance eligible individuals (“AEIs”) for the period April 1, 2021 to September 30, 2021. The American Rescue Plan Act of 2021 (ARPA) includes a number of provisions requiring immediate action by employers. One such provision provides for a 100% federal subsidy of COBRA premiums (including the up-to-2% administrative fees) during the period of April 1, 2021, through September 30, 2021. Early Termination of Subsidy. Where relevant, we have highlighted areas where further guidance is needed and noted where prior guidance related to the 2009 COBRA subsidy may be helpful.1 Note however, that the DOL and IRS may take a different 1 This references the guidance related to the 2009 COBRA subsidy under the American Recovery and … The subsidy period does not extend the usual length of COBRA. Subsidy Period. The 85% subsidy amount leaves a balance payable by the employee or other qualified beneficiary of 15% of the applicable COBRA premium. The subsidy applies to almost all … The American Rescue Plan (“ARP”) COBRA Subsidy is a comprehensive legislative attempt to address serious problems caused by the COVID-19 pandemic. For eligible COBRA enrollees, the Act offers the federal COBRA subsidy on the first day of the month following the legislation’s enactment, April 1, 2021, and ends on September 30, 2021. The American Rescue Plan Act of 2021 (ARPA) includes a number of provisions requiring immediate action by employers. COBRA Subsidy Timeline. IRS Issues FAQs on COBRA Subsidy. The 100% COBRA subsidy in the $1.9 trillion American Rescue Act means that more than 2 million laid off … Enter the month of COBRA coverage your credits derive from. On May 18, 2021, the Internal Revenue Service (IRS) issued much-anticipated Notice 2021-31 … This subsidy requirement generally applies to group health plans that are subject to the COBRA provisions found in the Employee Retirement Income Security Act, Internal Revenue Code or the Public Health Service Act. A special COBRA election notice (as described below) must be provided to each Extended AEI within 60 days after April 1, 2021. Please note: the subsidy also applies to anyone whose 18-month federal COBRA eligibility period includes April 1, 2021. It is expected to be signed into law by Friday, March 12, 2021. workplace health care plan for half of 2021. The COBRA subsidy period is between April 1, 2021 and September 30, 2021. The COBRA subsidy period extends from April 1, 2021 (assuming March enactment) through September 30, 2021. Note: The subsidy is not available for health FSA COBRA coverage. Mar 13, 2021. While this subsidy provides welcome relief for many COBRA qualified beneficiaries, it will be administratively challenging for employers, especially given other relief afforded to COBRA elections and premium payments under the Outbreak Period guidance. The subsidy covers 100% of COBRA premiums, including the 2% administrative fee, for medical, dental and vision coverage during that time. Church plans, although not subject to those laws, may nevertheless have to comply with some of the rules detailed … As part of an expanded COBRA program, President Biden’s COVID relief bill includes a temporary healthcare subsidy that will cover 100% of your premiums if you’ve been laid off or have reduced hours of employment during the pandemic. For example, if an individual’s 18-month COBRA period is set to expire Aug. 31, 2021, or they become eligible for Medicare on Sept. 1, 2021. The American Rescue Plan Act of 2021 (ARPA), enacted on March 11, 2021, creates a requirement that employers treat the total payment for Consolidated Omnibus Budget Reconciliation Act (COBRA) continuation coverage due from certain eligible individuals as being “paid in full” for April 1 through September 30, 2021 (Subsidy Period). It’s also available to employees who didn’t opt into COBRA … the continued group health plan coverage requirements of the Consolidated Omnibus Budget Reconciliation Act of 1985 (“COBRA”). On March 11, 2021, the American Rescue Plan Act (ARPA) was signed into law and provides a 100% subsidy of premiums for employer-sponsored group health insurance continued under the Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA) and similar state continuation of coverage (mini-COBRA) programs. applies to periods of health coverage on or after April 1, 2021 through September 30, 2021. Published. There are three categories of people who are eligible: Current: Anyone currently on COBRA. People would lose eligibility for the subsidy … The ARPA requires a 100% COBRA subsidy for certain individuals beginning April 1, 2021, through September 30, 2021. COBRA Subsidy 2021 Eligibility Employees who involuntarily lost their health insurance benefits any time after November 1, 2019, may be eligible for up to 6 months of free COBRA from April 1, 2021, through Sept. 30, 2021. There are three categories of people who are eligible: Current: Anyone currently on COBRA. The subsidy applies from April 1 through September 30, 2021. While there were several iterations of the bill and subsidies, the final version … These provisions apply to employees and former employees who lost group coverage due to involuntary termination of employment or an involuntary reduction in hours. Model notices had been expressly contemplated under ARPA at the time of its passage. For more information, call Member Services at 1-800-551-3225, Monday through Friday from 8:30 am to 5:00 pm. It is headed to President Biden’s desk for signature. The COBRA subsidy begins April 1, 2021 (the first day of the month following enactment) and lasts through September 30, 2021. That might be easier than wading through the government publications. On Tuesday, May 18, 2021 the IRS issued Notice 2021-31 providing 86 FAQs related to premium assistance for COBRA benefits under the American Rescue Plan Act, 2021. It appears that an individual whose COBRA qualifying event was earlier than April 1, 2021 can elect COBRA starting on April 1, 2021 (and get the subsidy) and simply skip the period before April 1, 2021 if they did not need COBRA coverage for that earlier period of time. The subsidy is first available April 1, 2021 and ends, unless terminated earlier as described below, on September 30, 2021 (the “subsidy period,” as used herein). IR-2021-115, May 18, 2021 — The Internal Revenue Service today provided guidance on tax breaks under the American Rescue Plan Act of 2021 for continuation health coverage under the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). The new subsidy does NOT extend COBRA rights beyond the 18 months of entitlement in effect before ARPA became law; it only impacts the cost to the beneficiary for the designated six-month period. May 24, 2021. The Summary of COBRA Premium Assistance Provisions under the American Rescue Plan Act of 2021 provides individuals with a summary of the ARPA COBRA premium subsidy and includes forms that individuals, who believe that they are AEIs, can use to notify their employer (or former employer), as well as forms to inform the plan of ineligibility for the COBRA premium subsidy due to … A notice of the extended COBRA election period to any assistance eligible individual (or any individual who would be an assistance eligible individual if a COBRA continuation coverage election were in effect) who had a qualifying event before April 1, 2021. The American Rescue Plan Act of 2021 (ARP), enacted on March 11, 2021, creates a requirement that employers treat the total payment for Consolidated Omnibus Budget Reconciliation Act (COBRA) continuation coverage due from certain eligible individuals as being “paid in full” for April 1 through September 30, 2021 (Subsidy Period). The subsidized coverage could end sooner if the individual’s COBRA coverage maximum period (generally, 18 months) ends before September 30, 2021. Background The COBRA subsidy is available to assistance eligibl The American Rescue Plan Act of 2021 (ARPA), which was signed into law on March 11, 2021, creates a 100% COBRA premium subsidy and special COBRA enrollment rights for certain individuals who lost or lose group health plan coverage due to an involuntary termination of employment or reduction in hours. Per CNBC, the 100% subsidy on premiums apply to everyone who already qualifies for COBRA.It’s also available to employees who didn’t opt into COBRA coverage during their original election period, as well as those who initially elected COBRA but let their coverage lapse. The subsidy is funded via a tax credit provided to employers, insurers or group health plans, according to the terms of the statute. Sponsors of group health plans have new responsibilities following the passage of the American Rescue Plan Act (“ARPA”) on March 11, 2021. For covered individuals whose initial COBRA eligibility period began before April 1, eligibility for the COBRA subsidy will end before September 30, if their original 18- or 36-months of COBRA eligibility ends before September 30. The extended deadlines do NOT apply to the COBRA subsidy. While this subsidy provides welcome relief for many COBRA qualified beneficiaries, it will be administratively challenging for employers, especially given other relief afforded to COBRA elections and premium payments under the Outbreak Period guidance. By Bridget Miller, Contributing Editor Mar 31, 2021 Benefits and Compensation. How to Apply the IRS Cobra Premium Subsidy Guidance. Since they would have been eligible for COBRA subsidies during a part of the COBRA subsidy period (April 1, 2021 through September 30, 2021) if they enrolled when first eligible, they must be provided the ability to elect coverage effective April 1, 2021 through June 30, 2021. For more information who qualifies as an AEI and … The QB is enrolled in COBRA as of April 1, 2021 or elects COBRA between April 1 and September 30, 2021 under the special enrollment period created by ARPA. It should also explain how to elect COBRA in conjunction with the subsidy and how to apply for Treatment as an Assistance Eligible Individual. Those who want retroactive coverage can choose to pay the Cobra premiums for the months that have elapsed since they left their jobs, she said. L. No. 1. (B) COBRA Premium Subsidy tax credits must be entered by month for entry into isolved. The 18-month COBRA coverage period would end on December 31, 2021. The COBRA Premium Subsidy Credit began on 4/1/2021 and expires on 9/30/2021, so only enter months during the April-September period. On March 11, 2021, President Biden signed into law the American Rescue Plan Act of 2021, the latest COVID-19 relief bill, which includes a substantial, temporary government subsidy of COBRA premiums for assistance eligible individuals. In Notice 2021-31 the IRS addresses a number of the key issues in a question and answer format. The subsidized coverage could end sooner if the individual’s COBRA coverage maximum period (generally, 18 months) ends before September 30, 2021. 30, 2021, for certain Assistance Eligible Individuals whose work hours were reduced or whose employment was involuntarily terminated. Under ARPA, a 100% COBRA premium subsidy and additional COBRA enrollment rights are available to certain assistance eligible individuals (AEIs) during the period beginning on April 1, 2021, and ending on September 30, 2021. UNEMPLOYMENT BENEFITS. Under ARPA, certain participants and beneficiaries of employer-sponsored health plans are eligible for a federal subsidy, which will cover for a limited period 100% of the premium for COBRA continuation coverage. Typically, you can't be on COBRA for more than 18 months in total, so … ARPA does not address whether the subsidy will apply during that period. The ARPA COBRA subsidy rules apply to all plans that are subject to federal COBRA. For six months beginning April 1, 2021, the federal government will subsidize 100% of the cost of COBRA coverage for individuals who lose their health coverage due to an involuntary termination or reduction of hours. The ARPA has several benefits-related provisions, one of which is the COBRA premium subsidy. COBRA premium assistance applies until the earlier of (1) the individual becomes eligible for other group health plan coverage or Medicare, (2) the date the individual ceases to be eligible for COBRA, or (3) the last period of coverage beginning on or before September 30, 2021. What Do We Need to Do Next? The COBRA subsidy begins April 1, 2021 (the first day of the month following enactment) and last through September 30, 2021. However, the rules governing the deadlines for participant elections are a bit more complex. Among other provisions, ARPA provides for a 100 percent COBRA subsidy for up to 6 months for anyone who lost health coverage because of an involuntary termination or involuntary reduction in hours. These answers take into account the guidance in Notice 2021-31 issued by Treasury and … Does the subsidy apply to individuals who experienced a second COBRA qualifying event and have an extended maximum COBRA period? This does not apply when the subsidy period ends due to the individual’s eligibility for other group coverage or Medicare. An AEI is defined as a qualified beneficiary who (1) is eligible for COBRA due to a qualifying event of involuntary termination or reduction of hours and (2) elects COBRA for a period of coverage that falls within the subsidy period. The bill provides an enrollment opportunity for individuals who would have been eligible for, but did not elect, COBRA at the time of their termination, as well as individuals who had COBRA but let it lapse before their full 18 months of eligibility was complete. ARPA COBRA Premium Subsidy – Time for Employer Plans to Update COBRA Notices By Beth Alcalde and Amber Roberts on April 22, 2021 Posted in Employee Benefits, Employee Handbooks & Policies, Wage & Hour. The ARPA, among other things, makes significant changes to COBRA administration by providing for additional COBRA enrollment rights and a temporary 100% COBRA premium subsidy from April 1, 2021 to September 30, 2021. That means that employers need to provide COBRA notices, including information about the subsidy option, within 44 days of the COBRA event. COBRA Premium Assistance under the American Rescue Plan Act of 2021 FAQs. Notice 2021-31, recently issued by the IRS, explains how employers should administer the temporary COBRA subsidy created by the American Rescue Plan Act (ARPA) (Pub. The period for which subsidized COBRA is available is April 1, 2021 through September 30, 2021. Length of Subsidy Coverage. Model Notice in Connection with Extended Election Period: MS Word | PDF.

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