Natural disasters have become increasingly common in recent years, causing widespread losses across affected communities. In particular, extreme winter weather events (e.g., frigid temperatures, strong winds, blizzards, sleet and freezing rain) have surged in frequency and severity throughout multiple regions in the United States—not just those with colder climates. These events have the potential to result in significant property damage, breakdowns in critical infrastructure, and serious injuries and fatalities.

Group Benefits
COBRA: The employer-sponsored health coverage safeguard
The Consolidated Omnibus Budget Reconciliation Act (COBRA) is a federal law designed to protect against lapses in health coverage in the event of unemployment or loss of eligibility.