Is Life Insurance Covered Under COBRA?

  1. Knowledge Base
  2. Starting COBRA
  3. Life Insurance
My employer offered life insurance while I was employed. Now that I’m on COBRA, can I keep my life insurance coverage?

No. Life insurance is not covered under COBRA. The federal COBRA law only applies to group health plans that provide medical care. Once you leave your job, your employer is not required to continue offering life insurance coverage under COBRA.

What You Can Do About Life Insurance When Your Job Ends

If your life insurance ends when your employment ends, you may be able to convert your group policy to an individual policy directly with the insurance carrier. Contact your employer’s benefits department or COBRA administrator right away to ask if a conversion option is available. If not, you will need to look for a new individual life insurance policy to replace your coverage.