The length of time you can continue your coverage depends on the qualifying life event. You are eligible for up to 18 months of COBRA coverage if:
- You chose to terminate or are terminated from University employment
- Your working hours are reduced to the point where you lose eligibility for University benefits
You are eligible for up to 36 months of COBRA coverage if:
- You are an eligible dependent of a University employee who dies while employed
- You are the divorced or legally separated spouse of a University employee
- You are a child of a University employee who loses eligibility for dependent coverage due to age or loss of dependent status
COBRA coverage is terminated if:
- You or a dependent later becomes covered by another group health plan
- You enroll in Medicare after you elect COBRA
Second Qualifying Event
If your dependents experience a second qualifying event while receiving 18 months of COBRA continuation coverage, they may be eligible to receive up to 18 additional months of COBRA (for a total of 36 months).
Disability
If you or your dependent becomes disabled before you begin COBRA or within the first 60 days, you or your dependent may be able to continue coverage for an additional 11 months (for a total of 29 months). If you have an 11-month COBRA extension due to disability, you’ll pay an additional 50% fee.