New Plan Member (NPM)
A New Plan Member (NPM) is an individual who is a current employee of a Client and not
yet receiving COBRA benefits.
Qualified Beneficiaries (QB)
A Qualified Beneficiary (QB) is an individual who has lost group health plan coverage due to
a qualifying event such as termination or retirement. The individual must be a covered
employee, spouse of a covered employee, or the dependent child of a covered employee. The
person can elect to continue the group health plan coverage for a limited time on a self-pay
basis. A QB may qualify for an extension of their COBRA benefits past the standard coverage
period if they have a disability. The specific regulations regarding the QB's rights, election
period, payment periods, and length of coverage are defined in the federal COBRA law.
Special Plan Members (SPM)
A Special Plan Member (SPM) is an individual who is billed on a regular schedule for one or
more plans or benefits. The billing frequency and specific types of plans or benefits are not
associated with any laws or regulations. Therefore, an SPM record can be used differently for
specific needs and business processes. For example, an SPM can be an individual who is billed
monthly for a retiree dental plan, and another SPM can be an individual who is billed quarterly
for a loan repayment.