Employees, spouses, and dependents who have been continuously insured for at least 3 consecutive months immediately prior to coverage termination
- Termination of coverage for any reason (including discontinuance of the group policy) other than involuntary termination for cause(excluding any health-related cause)
- For spouses and dependents, retirement or death of the employee or severance of the family relationship
In general, 9 months if federal COBRA does not apply, or for an additional 6 months after federal COBRA coverage ends.
3 years if severance of family relationship, employee’s death or retirement
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