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Q:  I am an American citizen and am living with my children and husband in Germany where he (green card holder) is presently working for a US company and has me and my children insured with the company. However, a change is expected where my husband will stop employment for the U.S. Company and I will loose insurance coverage. Can I, who has not worked actively other than taking care of my children for the last 6 years in Germany, be covered under Cobra?

A:    Individuals or employees who are non-resident aliens and do not earn a United States income check are not entitled to elect COBRA.

Otherwise, any individual or employees and their spouse or dependent children may be eligible for COBRA continuation if this person has been on the employer's group health plan the day of the qualifying event.

These events apply to the covered employee and their dependants that are covered under the policy.                                                                                                                                                                         

1.  Voluntary or involuntary termination of employment (unless due to gross misconduct)

2.  Your working hours have been reduced

These events apply to covered spouses and the dependants.

1.  Death of employee.

2.  Divorce or legal separation.

3.  Loss of dependant status, or when a child comes off of employees insurance due to age or school status.

4.  Employee is entitled to Medicare benefits