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| Who is eligible for Cobra - Chart |
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Q: Who is eligible for Cobra?
A: The following chart shows the specific qualifying events, the qualified beneficiaries who are entitled to elect continuation coverage, and the maximum period of continuation coverage that must be offered, based on the type of qualifying event.
Note that an event is a qualifying event only if it would cause the qualified beneficiary to lose coverage under the plan.
|
QUALIFYING EVENT |
QUALIFIED BENEFICIARY |
MAXIMUM PERIOD OF CONTINUATION COVERAGE |
|
Termination (for reasons other than gross misconduct) or reduction in hours of employment |
Employee Spouse Dependent Child |
*18 months |
|
Employee enrollment in Medicare |
Spouse
Dependent Child |
36 months |
|
Divorce or legal separation |
Spouse
Dependent Child |
36 months |
|
Death of employee |
Spouse
Dependent Child |
36 months |
|
Loss of "dependent child" status under the plan |
Dependent Child |
36 months |
* In certain circumstances, qualified beneficiaries entitled to 18 months of continuation coverage may become entitled to a disability extension of an additional 11 months (for a total maximum of 29 months) or an extension of an additional 18 months due to the occurrence of a second qualifying event (for a total maximum of 36 months)
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