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| COBRA coverage for a significant other/domestic partner |
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Q: I was covered under my boyfriend's insurance-significant other-he has new insurance that doesn't cover me. We were initially told that I would be eligible for COBRA and now his previous employer is stating that I have no rights to COBRA coverage?
A: COBRA law defines a qualified beneficiary has an individual covered by a group health plan on the day before a qualifying event who is an employee, the employee’s spouse, an employee’s dependent child. A newborn child or a child that was adopted by the covered employee is also considered a qualified beneficiary. A retired employee and their spouse and dependents in certain situations may be qualified beneficiaries. Since a significant other is not a qualified beneficiary, the previous employer is not obligated to offer them COBRA continuation. However, if the previous employer wants to provide the significant other with COBRA coverage they could as long as their group health insurance company allows it.
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