COBRA Coverage for Dependents After an Employee’s Death
Yes, COBRA lets you keep your deceased spouse’s health plan for a limited time if you were covered under it when they passed away. The death of the covered employee is a qualifying event that gives dependents the right to continue the same group health coverage for up to 36 months, as long as premiums are paid on time.
How to Get COBRA After the Death of the Covered Employee
COBRA coverage is available through the employer that provided the deceased employee’s health insurance. Follow these two steps to start continuation coverage after this qualifying event:
- The employer has up to 45 days to send COBRA election paperwork to eligible dependents. This packet includes plan costs, enrollment instructions, and payment details.
- Dependents have 60 days to enroll or decline COBRA coverage after receiving the election notice.
When Does COBRA Coverage Begin?
COBRA coverage begins immediately after you make your first premium payment. Once you choose to continue your employer-sponsored health plan, your coverage will be retroactive to the date your previous coverage ended. If you have out-of-pocket expenses during the gap, you may be able to file a claim with your insurance carrier for reimbursement.
How Long Does COBRA Insurance Last After the Death of the Covered Employee?
If the covered employee passes away, their dependents have the right to continue the employer’s group health insurance for up to 36 months. This benefit is coordinated with the employer’s human resources department or their third-party administrator.
Dependents should review their COBRA eligibility to ensure uninterrupted health coverage during this period.