Short answer: In Louisiana, the insurer—not the employer—is responsible for notifying individuals of their State Continuation rights.
Unlike federal COBRA and some other state continuation laws, Louisiana places the responsibility for providing continuation notices on the insurance carrier rather than the employer.
When an individual loses coverage under a fully insured Louisiana group health plan, the insurer must provide written notice explaining the individual’s right to elect Louisiana State Continuation coverage. This notice must be sent within 10 days of the coverage termination date.
After receiving the notice, the individual generally has 60 days to elect continuation coverage. If continuation is elected, the individual is responsible for paying the required premiums, which may be up to 102% of the total cost of coverage.
Employers are still responsible for timely communicating coverage terminations to the insurer so that notices can be issued correctly, but the legal obligation to send the continuation notice rests with the insurance carrier.
Sources
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Louisiana Department of Insurance, Continuation of Group Health Coverage
https://www.ldi.la.gov/consumer/health/continuation-of-coverage -
Louisiana Revised Statutes §22:1056–1057
Content history
Originally published: June 16, 2025
Last reviewed: January 25, 2026