The Health Account and COBRA for Spouses, Registered Domestic Partners and Dependents
In the event of a divorce, dissolution of marriage or legal separation, your former spouse and/or currently covered dependents can continue participation in the Health Account if they enroll in the Health Account Plan (HAP) through COBRA. Your former registered domestic partner can also continue participation through the continuation coverage that PG&E extends to registered domestic partners. (See "Continuing Coverage Under COBRA" and "Conversion to an Individual Medical Policy" in the Health Care Participation section). Both forms of continuation coverage are referred to in this section for ease of reference as "COBRA."
If COBRA is elected, a separate Health Account will be established for your former spouse or registered domestic partner by YSA or KPIC, and that account will be credited with the full value of the amount in the employee's account as of the effective date of COBRA coverage. If your former spouse or former registered domestic partner continues coverage for him- or herself as well as for additional dependents through COBRA family coverage, one Health Account will be established and funded in connection with such election of COBRA family coverage. If dependents over the age of 18 enroll for individual COBRA coverage, a separate Health Account will be established for each of them and credited with the full value of the amount in the employee's account as of the effective date of COBRA coverage. During the applicable COBRA-coverage period each such COBRA-established Health Account will be credited every January with the basic, annual credit allocation that PG&E provides for that calendar year to Health Accounts. However, COBRA-established Health Accounts are not eligible to receive any other additional incentive funding or credits which are provided to participating employees. If COBRA is not elected, your former spouse or registered domestic partner as well as dependents' eligibility for the Health Account will stop at the end of the month in which the qualifying event occurred.
Claims can be submitted for reimbursement from the Health Account for eligible expenses incurred during the months in which the former spouse/registered domestic partner and/or dependents were covered under the HAP. Claims can be submitted to the processing center until March 31 of the following year.
If you die, your surviving spouse will inherit any remaining Health Account credits as long as he or she is eligible for and elects medical coverage through PG&E. However, your surviving spouse won't receive any new Health Account credit allocations because the HAP is not available for retirees or surviving spouses.
For more information, please contact the PG&E Benefits Service Center at 866-271-8144 (open weekdays from 7:30 a.m. to 5 p.m. Pacific time).