When an employee leaves your team, you'll want to end their benefits coverage and make sure they receive the required continuation-of-coverage (COBRA) information. Only the company owner or a company admin can terminate an employee, and the steps differ depending on whether the employee has health insurance through OS BENEFiTS.

This action can't be undone.

Follow the same steps above, and also email [email protected] to let us know the employee has been terminated and that their benefits need to end at the end of the month. This step is required to make sure their coverage end date and COBRA notices are handled correctly.

Vision and dental coverage continue through the end of the month, even after termination.

Beni is OS BENEFiTS' COBRA administrator. Once we're notified of the termination, Beni automatically sends the required COBRA notices — you don't need to send anything yourself. Notices are sent by mail.

If a former employee reaches out to you with COBRA questions, here's what to tell them: COBRA (the Consolidated Omnibus Budget Reconciliation Act) is a federal law that lets them keep their employer's health coverage temporarily — usually up to 18 months — after leaving the job or losing eligibility. They pay the full premium themselves (the employer contribution stops) plus up to a 2% administrative fee, so it's typically more expensive than active-employee coverage, but can be worth it for continuity of care mid-treatment.

If a former employee reaches out to you with COBRA questions, feel free to point them to [email protected] — we're happy to help them directly.

Coverage end dates depend on your plan setup and the employee's termination date — we'll confirm the exact end date when we process the termination, so you can communicate it clearly to your departing team member.

Need to process a termination or have COBRA questions?