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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. COBRA Continuation Coverage| Qualifying Event | Beneficiary | Coverage |
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| Employee 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.) | Downloads |
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Page Last Modified: 03/31/2009 2:25:18 PM
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