A:   If any of these reasons were the cause of the activation of COBRA, then the employer by law has to offer a continuation of their group health plan to you.                                                                                             

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

You may want to contact the employer for more information. If they are unable to answer questions for you you can call the Department of Labor at 1-866-487-2365 or visit their web site at www.dol.gov


If you are a healthy person who does not live in NY, NJ, MA, or VT and would be interested in a lower cost Alternative to COBRA please Click Here