Leaving Tenpoint

💙 Health Insurance Termination

Tenpoint-paid health insurance coverage continues through the end of the month in which your last working day occurs.

📬 COBRA Health Insurance Continuation Coverage

You’ll receive an email from Rippling on or directly after your last day with Tenpoint with detailed instructions and next steps.

You can continue your coverage through COBRA, administered directly in Rippling.

What to Expect

• Election window: COBRA notifications and enrollment details are sent within 21 days of your last day (employees receive email notices; dependents receive mailed copies).
• Enrollment period: You have 60 days from your last day to elect COBRA coverage.
• Eligible coverage: Continue any Medical, Dental, or Vision plans you’re already enrolled in.
• Retroactive coverage: If you delay electing COBRA, your coverage will be retroactive to your last active day of coverage, eliminating any lapse.
• Open Enrollment: If your COBRA coverage extends into a new calendar year, you’ll participate in Open Enrollment just like active employees — giving you the opportunity to make new plan elections, add or remove dependents, and adjust your coverage for the year ahead.

Additional Details

• Length of coverage: COBRA generally lasts up to 18 months, but may extend up to 29 or 36 months depending on the qualifying event (for example, disability or secondary loss of coverage for dependents).
• Payment timing: Your first premium payment is due within 45 days of electing COBRA. Ongoing payments are due monthly, with a 30-day grace period. Missed payments may result in termination retroactive to the last paid month.
• Dependent elections: Each dependent may elect COBRA coverage independently — meaning a spouse or child can continue coverage even if the employee does not.
• Premium costs: COBRA rates include the full premium cost (employee + employer share) plus a 2% administrative fee.
• Early termination: COBRA coverage can end earlier if:
  • You fail to make timely payments.
  • You become eligible for another group health plan or for Medicare.
  • Tenpoint stops offering group health plans.
• Keep your info current: Make sure your personal email, mailing address, and dependent information are current in Rippling before your last day. COBRA notices will be sent to your most recent contact details.

💡 Pro Tip: COBRA coverage ensures you never have a gap in insurance during transitions — and if your coverage overlaps years, you’ll enjoy the same open enrollment privileges as active employees.