Determining Eligibility For COBRA Insurance

The COBRA law allows workers and their families to continue their employer health insurance if that would stop for any reason.

Qualifying Events For Eligibility

• Job Termination / Layoff
• Divorce
• Death of the Insured
• Dependent Turns 26
• Reduction in Work Hours
• Retirement
• Medicare Eligible
• On Worker’s Compensation
• New Spouse While On COBRA
• New Baby While On COBRA
• Qualified Beneficiaries And “QB” Only Coverage
• Hospitalization Within The 60 Day Window
• Fellowship In Graduate Program
• Incarceration
• Non-Resident Aliens
• Length Of Time On Employer Health Plan
• All Qualifying Events

Eligibility For Extension

• Disability

Situations That Make You Ineligible

• Missing the 60 Day Election Window
• Business Has 19 Or Fewer Employees
• Employer Out Of Business
• Non-Profit and Churches
• Federal Government Employees
• Taking Maternity or an FMLA leave of absence
• Grandchildren on COBRA
• Gross Misconduct
• Obtaining Employer Health Insurance