COBRA schedule of benefits

COBRA Schedule of Benefits

Qualifying Event	Qualified Beneficiaries	Continuation Coverage	Qualifying Event Notice	COBRA Rights Notice
Death of a covered employee	Spouse Dependent child	36 months	Employer to plan administrator within 30* days of qualifying event (or loss of coverage, if provided under the plan)	Plan administrator to qualified beneficiary within 14 days** of notice of the qualifying event
Covered employee's termination (for reasons other than gross misconduct) or reduction in hours	Covered employee Spouse Dependent child	18 months (29 months if qualified beneficiary is disabled)	Employer to plan administrator within 30* days of qualifying event (or loss of coverage, if provided under the plan)	Plan administrator to qualified beneficiary within 14 days** of notice of the qualifying event
Covered employee's divorce or legal separation	Spouse Dependent child	36 months	Covered employee or qualified beneficiary to plan administrator within 60 days of qualifying event (or loss of coverage)	Plan administrator to qualified beneficiary within 14 days** of notice of the qualifying event
Covered employee's entitlement to Medicare	Spouse Dependent child	36 months	Employer to plan administrator within 30* days of qualifying event (or loss of coverage, if provided under the plan)	Plan administrator to qualified beneficiary within 14 days** of notice of the qualifying event
Dependent child's ineligibility for benefits under plan	Dependent child	36 months	Covered employee or qualified beneficiary to plan administrator within 60 days of qualifying event (or loss of coverage)	Plan administrator to qualified beneficiary within 14 days** of notice of the qualifying event
Bankruptcy of retired covered employee's employer	Retired covered employee	Until death	Employer to plan administrator within 30* days of qualifying event (or loss of coverage, if provided under the plan)	Plan administrator to qualified beneficiary within 14 days** of notice of the qualifying event
	Widows & widowers	Until death
	Surviving spouse	Until death
	Dependent children	Until death
Employer in multi-employer plans may take more than 30 days to notify the plan administrator if provided under the plan. A multi-employer plan also may provide that the employer does not have this same obligation. *Multi-employer plan administrators mat take more than 14 days to notify qualified beneficiaries if provided under the plan. PEO's are still required to offer COBRA to groups that are leaving the PEO relationship or the company ceases to exist.