Is an ex spouse eligible for COBRA?

After you get divorced, you may be able to temporarily keep your health coverage through a law known as “COBRA.” If your former spouse got insurance through an employer that has at least 20 employees, COBRA lets you stay on that plan for up to 36 months.

How long can a divorced spouse stay on COBRA?

36 months
A covered employee’s spouse who would lose coverage due to a divorce may elect continuation coverage under the plan for a maximum of 36 months. A qualified beneficiary must notify the plan administrator of a qualifying event within 60 days after divorce or legal separation.

When does an employer not need to offer Cobra to a spouse?

After consulting with a benefits attorney, if a situation appears to constitute “gross misconduct,” the employer does not need to offer COBRA to a spouse covered under the group health plan. Divorce is rarely a pretty thing.

What happens if we fail to provide Cobra notice upon termination?

A covered employer must provide the terminated employee and his or her dependents who are covered under the employer’s health plan an election notice within 14 days of the qualifying event. Failure to provide the COBRA election notice within the 14-day period can result in…

When do I Lose my COBRA health plan?

Within 30 days of losing COBRA coverage, for coverage through another group health plan, or Within 60 days before or after losing COBRA coverage, for coverage through

What are the triggers for Cobra after a divorce?

Other life events that may trigger COBRA include: the employee quits, or the employer fires the employee for a reason other than gross misconduct the employer reduces the spouse’s work hours, limiting regular coverage your spouse becomes eligible for Medicare divorce or legal separation, or the employed spouse dies.

What happens to my Cobra plan if I get Fired?

In general, employees (and their spouses and dependents) who lose coverage under an employer’s health plan due to termination of employment or reduction of hours are entitled to continue that coverage for up to 18 months.

When is an ex spouse eligible for Cobra?

The ex-spouse can enroll in COBRA for up to 36 months. If the ex-spouse does not wish to stay on the COBRA benefits for up to 36 months, the State will allow the ex-spouse to cancel the COBRA “current.” This means if an ex-spouse wants to cancel COBRA as of August 1, he or she would have to notify Benefits Administration no later than July 31.

How long does Cobra coverage last for an employer?

COBRA continuation coverage lasts only for a limited period of time. COBRA generally applies to all group health plans maintained by private-sector employers with at least 20 employees or by state and local governments.

When does an employer have to notify an employee of Cobra?

An employer that is subject to COBRA requirements is required to notify its group health plan administrator within 30 days after an employee’s employment is terminated, or employment hours are reduced. Within 14 days of that notification, the plan administrator is required to notify the individual of his or her COBRA rights.