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Both full- and part-time employees are counted to determine whether a plan is subject to COBRA. Each part-time employee counts as a fraction of a full-time employee, with the fraction equal to the number of hours worked divided by the hours an employee must work to be considered full time.
If the qualifying event is the death of the covered employee, divorce or legal separation of the covered employee from the covered employee's spouse, or the covered employee becoming entitled to Medicare, COBRA for the spouse or dependent child lasts for 36 months.
Continuation coverage allows someone who recently lost their employer-based health coverage to continue their current insurance policy as long as they pay the full monthly premiums. Continuation coverage falls into four categories: COBRA, Cal-COBRA, Conversion, and HIPAA.
The Coverage Continuation Rider/Benefit guarantees that the death benefit will remain in force even if the base policy's cash value is depleted, provided that sufficient premiums have been paid, as shown on the policy specifications page.
Keep Your Health Coverage (COBRA) Small Employer (2 to 19 employees)Large Employer (20 or more employees)Cal-COBRA ? up to 36 monthsFederal COBRA ? 18 or 36 months. For more information visit the Department of Labor website . Cal-COBRA ? If Federal COBRA was 18 months, 18 more months of Cal-COBRA is available