Employers Risk Services COBRA Insurance

ERS uses a WEB based software, which allows large amounts of COBRA-related information to be processed. The system automatically prints all COBRA notices, premium invoices, and premium collection reports and HIPPA-related Certificates of Coverage per request.

COBRA Administration Procedure Circle



Qualifying Event and Enrollment Beneficiaries


COBRA and HIPAA laws programmed into system to identify the qualifying event and benefit eligibility, and determine the length of eligibility.




ERS has several custom options that allow select variations


Billing and Payment System


ERS can bill premiums by using coupons or monthly premium notices and maintain a payment history in which all information about payment from participants is stored.


Audit Trail


ERS maintains a history of all events, dates of correspondence, and compliance-required events so that complete information about each beneficiary can be quickly and easily obtained.


Automatic Letter Processing


The key element of ERS’ COBRA Administration is that all documents are generated automatically by the system.




ERS offers 20 standard reports that display detailed information regarding participants, benefit plans, premiums collected and notification letters produced


DOL Model Notices


ERS prints the “DOL Model Notice” required for new employees as they become covered by the employ’s benefit plan automatically.


Administering the Family and Medical Leave ACT of 1993


ERS enables the administration of on-leave participates




ERS COBRA Administration personnel attend necessary educational seminars to keep abreast of the ever-changing updates to the COBRA/HIPAA law.

Contact COBRA Administration:

Tammy Kirby


P.O. Box 628
Bowling Green, KY 42102


(270) 529 – 1423
(800) 378 – 2540 x 4315
Fax: (270) 467-1240

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