How long is COBRA coverage offered?

Q11: How long does COBRA coverage last? COBRA requires that continuation coverage extend from the date of the qualifying event for a limited period of 18 or 36 months.

When do you find out your Cobra plan has ended?

COBRA coverage generally is offered for 18 months (36 months in some cases). Ask the employer’s benefits administrator or group health plan about your COBRA rights if you find out your coverage has ended and you don’t get a notice, or if you get divorced.

When do you exhaust your COBRA continuation coverage?

enrollment event, such as marriage, the birth of a child, or if you exhaust your continuation coverage. To exhaust COBRA continuation coverage, you or your dependent must receive the maximum period of continuation coverage available without early termination. Keep in mind if you choose to terminate

How many employees can you have with Cobra?

This is called “continuation coverage.” In general, COBRA only applies to employers with 20 or more employees. However, some states require insurers covering employers with fewer than 20 employees to let you keep your coverage for a limited time.

When does a child become eligible for Cobra?

child reaches the age of 26. COBRA Notice and Election Procedures . Under COBRA, group health plans must provide covered employees and their families with specific notices explaining their COBRA rights. Plans must also have rules for how COBRA continuation

Who is required to be covered by Cobra?

COBRA requires most group health plans to offer continuation coverage to covered employees, former employees, spouses, former spouses, and dependent children when group health coverage would otherwise be lost due to certain events.

When does Cobra coverage for spouse and dependents change?

If the covered employee became entitled to Medicare less than 18 months before the qualifying event (aka termination), COBRA coverage for the employee’s spouse and dependents is adjusted based on the date the employee became eligible for Medicare.