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COBRA, when applicable, mandates that employees be given the ability to continue health insurance coverage after leaving employment for a period of 18 months (36 months maximum).  COBRA coverage must be equivalent to the coverage the member was enrolled in prior to the qualifying event. 


Fast Facts: 

1.Applies to group health plans for employers with 20 or more employees on more than 50 percent of its typical business days in the previous calendar year are subject to COBRA.


2.Qualifying events cause the loss of health coverage and determine who the qualified beneficiaries are (individuals covered by a group health plan on the day before a qualifying event) and how long the plan must cover them under COBRA. 

3.Notice requirements- COBRA rights must be described in SPD. The General Notice must be provided within first 90 days of coverage. The Election Notice must be provided within 14 days after the plan administrator receives the notice of a qualifying event.


This content is being provided as an informational tool. It is believed to be accurate at the time of posting and is subject to change. It is recommended that plans consult with their own experts or counsel to review all applicable federal and state legal requirements that may apply to their group health plan. By providing this information, Meritain Health is not exercising discretionary authority or assuming a plan fiduciary role, nor is Meritain Health providing legal advice.