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What is the COBRA law?
The Consolidated Omnibus Budget Reconciliation Act (COBRA) was passed in 1985. This law requires employers that have at least 20 employees and provide an employee health plan to offer identical coverage to covered employees or qualified beneficiaries if coverage is lost due to certain qualifying events. If group health coverage will end when an employee is terminated or hours of work are reduced, the covered employee and qualified beneficiaries must be given the option of electing COBRA continuation coverage for up to 18 months. This 18 month continuation period can be extended under certain circumstances if a covered family member is determined to be disabled for Social Security purposes at any time during the first 60 days of COBRA coverage. When the qualifying event is the employee's death, divorce, legal separation, or Medicare entitlement; or loss of dependency status; either initially or subsequent to an 18-month event, the qualified beneficiary must be allowed to elect COBRA coverage for up to a maximum of 36 months from the first qualifying event. Return to Frequently Asked Questions |
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