COBRA is a temporary extension of health benefits coverage under the health insurance plan to an employee who loses coverage because either one of the following qualifying events happens:
- Your hours of employment are reduced making you ineligible for group health coverage (including if you fail to work sufficient hours in a designated work period necessary to maintain plan eligibility), or
- Your employment ends for any reason (other than your gross misconduct).
When one or more of these events occur, the employer must notify the plan administrator of the qualifying event on the employee’s behalf.
An employee’s spouse or child(ren) may also qualify for COBRA when a qualifying event occurs. In this case, an employee must provide written notice to the plan administrator. For details regarding COBRA including a list of qualifying events and contact information for the plan administrator, please review the COBRA Notice.