Find Answers to Frequently Asked Questions

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What is COBRA?

COBRA (the Consolidated Omnibus Budget Reconciliation Act) is a federal law that requires group health plans to provide temporary continuation of group health coverage that otherwise might be terminated.


  • You lose or quit your job
  • You divorce the employee
  • The employee dies
  • You are no longer covered as a dependent due to your age
I am a new employee and just got a COBRA letter. What to do next?

Initial COBRA notices are mailed to all new participants who recently gained Health coverage under the Trust. This notice explains your COBRA rights.

I am a COBRA participant who currently self-pays a monthly health premium, where do I need to send my premium payment?


NW Insulation Workers Welfare Trust
PO Box 34203
Seattle, WA 98124

Please include your social security number or WPAS ID number on the member line of the check. The Administration Office will send COBRA participants payment coupons, for 18 or 36 months, the first time they elect COBRA.

When are COBRA letters mailed to members?

The beginning of the month in which coverage is terminated.

Why am I still receiving COBRA?

If you do not have enough contributions built up in your dollar bank for at least one additional month of coverage. The cobra election form gives you the option to self-pay for coverage in the months that you do not have coverage based on active employment. If you are currently working full time, you will probably have enough hours reported to continue your coverage without a break.

Can Retirees participate under COBRA before participating in the Retiree Medical Plan?