What happens when COB is restarted after 12 months?

When COB (Coordination of Benefits) is restarted after 12 months, a new COB is established without a grace period. This means that the existing coverage agreements and terms are reset, and any previous arrangements or benefits coordination does not carry over into the new period.

In practical terms, this allows for a fresh assessment of how benefits will be coordinated between different insurances. As policies or coverage conditions may change after a year, starting anew ensures that all parties involved are aware of current circumstances and obligations, effectively negating any automatic continuation that might have applied previously. It is a structured approach to avoid confusion and ensure that all coverage is accurately represented and coordinated from the beginning of the new period.