COBRA Insurance Qualifying Events

18 Mar

Posted by: Cobra Help Center in: COBRA Health Insurance

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COBRA insurance is an extension of health care benefits that would have been otherwise lost due to a variety of reasons. There are a number of qualifying events that will make you eligible for COBRA health insurance coverage, provided you were previously covered under your employer’s major medical health plan.

The first and most common qualifying event is that you were fired or voluntarily left employment with the company. COBRA will be offered to you under these “separation circumstances”, as long as you were not terminated for gross misconduct.

COBRA coverage is also available if you, or your spouse or legal guardian, have experienced a reduction in the number of hours worked which has caused a loss of full-time benefits.

Finally, COBRA eligibility may be established if you undergo one of these “change in life” events: divorce or legal separation from your spouse, divorce or separation of a legal guardian, death of a spouse or guardian, a spouse or guardian becoming entitled to Medicare, and the loss of dependent child status under the rules of your guardian’s health plan.

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Posted in: COBRA,Events,Insurance,Qualifying