All employers

Employees who have been continuously covered by the plan for at least 3 months prior to termination; in the event of death or divorce, spouses who were covered 30 days prior to the event and dependents covered immediately before the event.

  • Termination (other than for cause)
  • Death of covered employee
  • Divorce

Generally 18 months. However, state COBRA for divorced spouses ends when the spouse:

  • Becomes eligible for another group health benefit plan or Medicare
  • Becomes covered under an individual health policy
  • Fails to pay premiums on time
  • Decides to remarry
  • Drops the coverage
  • Employer no longer offers any plan

For a dependent child, state COBRA ends when the child would no longer qualify for coverage had there been no divorce.

102% of the premium

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