Workers who have a special qualifying event for COBRA, like retirement, job loss or changes in the immediate family, the federal COBRA law allows employees enrolled in a group health plan the option of keeping it. The employer requirement under federal COBRA is they must employ 20 or more workers during 50% of business hours. A worker must have been on the employer-sponsored health insurance for at least one day before they become eligible.
State Continuation Coverage Under Kentucky Law or Mini-COBRA
When the federal COBRA law doesn’t apply, Kentucky’s State Continuation of Coverage legislation (mini-COBRA) protects Kentuckian employees that work for businesses with 19 or fewer employees. Employees and their dependents who were insured under a group policy will need to meet these conditions to qualify under the Kentucky Law.
- The group insurance policy was covering the employee and their qualified dependents for at least three months
- You must respond to the election notice within 31 days after you receive it.