• Your company has at least 20 employees and a group health plan and the eligible participant experiences a “qualifying” life event.
  • You are the spouse or dependent child of an individual that qualifies for COBRA.
  • You participate in a local or state government-sponsored group health that is eligible for COBRA.

How does COBRA work?

Election Period: The employer must provide a minimum of 60 days for eligible participants to elect continuation of their healthcare coverage.
Length of Coverage: COBRA coverage can last up to 18 months. Participants may apply for additional 18 months (total of 36 months) of coverage under certain circumstances.
Cost: COBRA can cost more than 102% of what other employees pay for the same coverage.
Benefits: Employees are entitled to continue the same coverage prior to the qualifying event.
Revocation of Waiver: If participants opt not to receive COBRA, they can revoke the waiver and continue their coverage at any time within the election period.

Qualifying Events:

  • Losing a job for any reason except gross misconduct
  • A reduction in number of hours worked
  • Divorce or legal separation from the covered employee
  • The covered employee becomes eligible for Medicare
  • The covered employee dies.

Check out this COBRA Flow Chart











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