How and when to enroll

To elect COBRA coverage, enroll online or by phone. Instructions for making an election are also included at the top of the COBRA Election Instructions Form you receive in the mail based on your eligibility.

Log on to review your account by visiting https://chubb.bswift.com
Call 1-844-58CHUBB 8 a.m. - 8 p.m. Eastern, Monday – Friday
Web chat available on https://chubb.bswift.com 8 a.m. - 8 p.m. Eastern, Monday - Friday

Qualified beneficiary coverage

Each Qualified Beneficiary has an independent right to elect COBRA coverage (for example, the employee's spouse may elect COBRA coverage even if the employee does not). COBRA coverage may be elected for some or all Qualified Beneficiaries (for example, an employee may elect COBRA coverage for some but not all their dependent children).

A parent or legal guardian may elect COBRA coverage on behalf of any Qualified Beneficiary minor child.
The employee or the employee's spouse may elect COBRA coverage on behalf of all Qualified Beneficiaries.
A Qualified Beneficiary may not decline COBRA coverage for another adult Qualified Beneficiary.

Flexible Spending Accounts

Participation in the Flexible Spending Plans stops on your termination of employment date. However, contributions may be deducted from the paycheck immediately following your termination date.

Health Care

Under COBRA, you may elect to continue to participate in your healthcare flexible spending account on an after-tax basis through the end of the year in which you terminate. You will be required to continue to make your monthly contribution on an after-tax basis, plus pay a 2% administrative fee. If you decline to contribute to your health care spending account through COBRA, you have 90 days from the date of termination to submit claims for reimbursement of expenses incurred through your termination of employment date. If you do not submit expenses within 90 days of termination, you forfeit any funds remaining in the account.

Limited Purpose FSA accounts

Under COBRA, you may elect to continue to participate in your Limited Purpose FSA on an after-tax basis through the end of the year in which you terminate. You will be required to continue to make your monthly contribution on an after-tax basis, plus pay a 2% administrative fee. If you decline to contribute to your Combination FSA through COBRA, you have 90 days from the date of termination to submit claims for reimbursement of expenses incurred through your termination of employment date. If you do not submit expenses within 90 days of termination, you forfeit any funds remaining in the account.

Dependent Care FSA Account Information

You must submit proof of Dependent Care eligible expenses within 90 days of your termination. If you do not submit expenses by this date, you will forfeit any funds remaining in the Dependent Care and Health Care flexible spending account(s).