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The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) establishes required periods of coverage for continuation health benefits. COBRA beneficiaries generally are eligible for group coverage during a maximum period of 18 months for a qualifying event of employment termination or reduction of employment hours. Other qualifying events may entitle a spouse and dependent children to a total of 36 months of COBRA coverage. Qualifying Events | Beneficiary | Coverage | Employment termination (other than by reason of gross misconduct) or reduced employment hours | Employee, spouse, dependent child | 18 months | Employee enrolled in Medicare | Spouse/Dependent child | 36 months | Divorce or legal separation | Spouse/Dependent child | 36 months | Death of covered employee | Spouse/Dependent child | 36 months | Loss of "dependent child" status | Dependent child | 36 months |
A plan may provide longer periods of coverage than those required by COBRA. Also, events that occur during a period of COBRA coverage may extend or contract the coverage period. (Click on "Extended Periods of Coverage" and "Contracted Periods of Coverage" on the left navigation bar.)
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Page Last Modified: 04/16/2008 2:59:03 PM
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