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Qualifying
Event
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Qualified Beneficiaries
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Continuation Coverage
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Qualifying Event Notice
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COBRA Rights Notice
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Death of a covered employee
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Employer to plan administrator within 30* days of qualifying event (or loss of coverage, if provided under the plan)
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Plan administrator to qualified beneficiary within 14 days** of notice of the qualifying event
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Covered employee's termination
(for reasons other than gross misconduct)
or reduction in hours
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Covered employee
Spouse
Dependent child
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18 months
(29 months if qualified beneficiary is disabled)
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Employer to plan administrator within 30* days of qualifying event (or loss of coverage, if provided under the plan)
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Plan administrator to qualified beneficiary within 14 days** of notice of the qualifying event
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Covered employee's divorce or legal separation
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Covered employee or qualified beneficiary to plan administrator within 60 days of qualifying event (or loss of coverage)
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Plan administrator to qualified beneficiary within 14 days** of notice of the qualifying event
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Covered employee's entitlement to Medicare
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Employer to plan administrator within 30* days of qualifying event (or loss of coverage, if provided under the plan)
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Plan administrator to qualified beneficiary within 14 days** of notice of the qualifying event
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Dependent child's ineligibility for benefits under plan
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Covered employee or qualified beneficiary to plan administrator within 60 days of qualifying event (or loss of coverage)
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Plan administrator to qualified beneficiary within 14 days** of notice of the qualifying event
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Bankruptcy of retired covered employee's employer
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Employer to plan administrator within 30* days of qualifying event (or loss of coverage, if provided under the plan)
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Plan administrator to qualified beneficiary within 14 days** of notice of the qualifying event
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Widows & widowers
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*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.
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COBRA Schedule of Benefits
