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| Are we eligible for COBRA if we are still employed? |
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A: My husbands company pays for our family insurance. His insurance is the primary and pays 80% - my insurance through the state is our secondary and pays most of the remaining balances. My husbands company is going to drop the current insurance and is looking for a cheaper insurance company and benefits. Can we pick up COBRA as family or even just for a child? The new health plan benefits are not as good as the previous one.
Q: To be eligible for COBRA continuation a qualifying event must occur. Qualifying events are specific events that cause an employee and/or dependents to lose his or her group health coverage.
These events apply to the covered employee and dependents.
1. Voluntary or involuntary termination of employment (unless due to gross misconduct).
2. Your working hours have been reduced.
These events apply to covered spouses and the dependants.
1. Death of employee.
2. Divorce or legal separation.
3. Loss of dependant status, or when a child comes off of employees insurance due to age or school status.
4. Employee is entitled to Medicare benefits
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