Qualifying Events & Maximum Coverage Periods Demo
COBRA and state continuation
Qualifying Events & Maximum Coverage Periods
Depending upon which qualifying event triggers the loss of coverage, the maximum coverage period is different. The maximum coverage period is generally 18, 29 or 36 months.
Public Employers
Maximum Coverage Period
Qualifying Event
Employee
Spouse & Dependents
Termination of employment
18 months*
18 months *+
Reduction in hours
18 months*
18 months *+
Death of a covered employee
36 months
Divorce or legal separation
36 months
Covered employee becomes entitled to Medicare
36 months
Dependent child ceases to be a dependent
36 months
* Extended to 29 months if employee, spouse or dependent is determined to be disabled
+ Extended to 36 months if spouse or dependent experiences a second qualifying event