Cobra coverage who is eligible

If you have both COBRA coverage and Covered California at the same time, and you receive financial help to help you pay your Covered California premium, when you file your federal taxes, state taxes, or both, you will have to pay back some or all of the financial help you received for the months that you also had COBRA. You will only qualify for special enrollment if: Someone else responsible for sending your COBRA premium payments for example, your former employer fails to do so on a timely basis.

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Contact Us. Federal COBRA requires continuation coverage be offered to covered employees, their spouses, former spouses, and dependent children. For more information visit the Department of Labor website. You have 60 days after being notified to sign up. Call the Help Center if you have any questions. You have the same benefits as other employees in the same health plan.

If other employees have open enrollment periods, when they can change from one plan to another, you can too. If the employer changes the employees from one health plan to another, you change plans too. You have no restrictions because of pre-existing conditions. Qualifying events are events that cause an individual to lose his or her group health coverage, most commonly because : The employee is no longer employed for any reason other than gross misconduct.

Qualifying events for a spouse or dependent means that you lose your health plan because : The employee is no longer employed for any reason other than gross misconduct. Covered employee becomes entitled to Medicare. You are no longer a dependent of the employee. Divorce or legal separation of the spouse from the covered employee. Someone is considered a qualified beneficiary if they were covered by the group health plan up until the day before the covered employee loses coverage.

Someone is considered a qualifying beneficiary depending on the qualifying event at hand. The duration of the continued coverage depends on the qualifying event and qualified beneficiaries. You Asked, Benefits.

Looking for Medicare Savings Programs? Learn about Eligibility Requirements. Compass Newsletter. Stay connected for important news and updates on federal benefits you may be eligible to receive.

Both provide certain former employees, retirees, spouses, former spouses and dependent children the right to temporary continuation of employer-provided group health coverage when they would otherwise lose coverage because of certain qualifying events, such as the loss of a job or divorce. COBRA applies to plans maintained by private-sector employers including self-insured plans and those sponsored by most state and local governments.

The law does not apply to plans sponsored by the federal government or by certain church-related organizations. Group health plans for employers with 20 or more employees on more than 50 percent of their typical business days in the previous calendar year are subject to COBRA.

Each part-time employee counts as a fraction of an employee, with the fraction equal to the number of hours the part-time employee worked divided by the hours an employee must work to be considered full-time.

An employer's group policy must be in force with two to 19 employees covered on at least 50 percent of its working days during either the preceding calendar year, or the preceding calendar quarter if the employer was not in business during any part of the preceding calendar year.

Individuals with certain qualifying events may be eligible for a longer extension e. Same-sex spouses are treated the same as opposite-sex spouses under federal COBRA and may be considered qualified beneficiaries. Cal-COBRA extends coverage to both an employee's registered domestic partner or same-sex spouse and their dependent children. You may be trying to access this site from a secured browser on the server.