You are eligible for COBRA if both of the following conditions apply:
- You are enrolled in job-based insurance (employer group health plan) where COBRA applies
- And, you have a “qualifying event” (such as termination of employment) that causes you to lose job-based insurance. The type of qualifying event also determines the length of COBRA coverage: See table below for details.
|Qualifying Event||Length of COBRA|
|Employee retires, is terminated, or has a reduction in work hours.||18 months|
|Employee develops a disability and has a reduction in work hours.||18 months|
|Employee develops a disability and is eligible for Social Security Disability Insurance (SSDI) during the initial 18-month COBRA period.||18 months + 11 months extra|
|Employee is terminated for gross misconduct.||Not applicable|
|Employee’s spouse and dependent children lose job-based insurance because:
If you already have Medicare, you are still eligible for COBRA if you meet the conditions above. Be sure to know how COBRA and Medicare coordinate before making enrollment decisions.