Get Faqs: Health Care Reform And Cobra - Us Department Of Labor

A covered employee's spouse who would lose coverage due to a divorce may elect continuation coverage under the plan for a maximum of 36 months. A qualified beneficiary must notify the plan administrator of a qualifying event within 60 days after divorce or legal separation.

The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, ...

Usually, consumers have until the later of 60 days after losing eligibility for their employer's group health coverage or 60 days after receiving their COBRA election notice, whichever is later, to elect COBRA continuation coverage. ➢ Consumers have 45 days after election to pay their first month's premium.

There are three basic requirements that must be met in order for you to be entitled to elect COBRA continuation coverage: Your group health plan must be covered by COBRA; • A qualifying event must occur; and • You must be a qualified beneficiary for that event.

Here is a list of qualifying events that qualify you for COBRA continuation coverage: Voluntary or Involuntary Termination of Employment* or Reduction of Hours. Divorce or Legal Separation** Child Ceases to be a Dependent (e.g., child turns age 26) Death of Employee. Employee Becomes Entitled to Medicare.

You may not have COBRA continuation and another insurance at the same time. If your previous employer has more than 20 employees and you were on their group health policy, you would be eligible to keep your work insurance for 18 months after you stopped working there.

You may be able to keep your job-based health plan through COBRA continuation coverage. COBRA coverage lets you pay to stay on your job-based health insurance for a limited time after your job ends (usually 18 months). You usually pay the full premium yourself, plus a small administrative fee.