COBRA | Human Resources

The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) requires organizations with more than 20 employees to offer continuation of health insurance benefits upon a "qualifying event."

Qualifying Event	Period of Coverage
Terminating employee and/or enrolled dependents	Up to 30 months
Employee whose hours have been reduced to below eligibility level	Up to 30 months
Leave of absence without pay	Up to 30 months
Terminating employee and/or enrolled dependent who is determined by Social Security to be permanently disabled or who becomes permanently disabled within 60 days of event	Up to 29 months
Enrolled dependent of deceased employee	Up to 36 months
Divorced/legally separated spouse and/or enrolled dependents	Up to 36 months
Enrolled dependent who no longer qualifies as a dependent	Up to 36 months