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
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.
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