Federal COBRA Durations and Qualified Beneficiaries

Updated December 05, 2016 -- For Administrators and Employees

Eligible qualified beneficiaries and the maximum length of Federal COBRA coverage are determined by the type of qualifying event.

For more information about gross misconduct and termination, see the Department of Labor's website.

Qualifying Event	Qualified Beneficiaries	Max. Duration of Coverage
Termination (whether voluntary or involuntary) for reasons other than gross misconduct. Employees terminated as a result of gross misconduct may be denied COBRA coverage.	Employee Spouse Dependent Child	18 months
Reduction in hours of employment (FT to PT)	Employee Spouse Dependent Child	36 months
Employee entitlement to Medicare resulting in a loss of coverage	Spouse Dependent Child	36 months
Divorce or legal separation	Spouse Dependent Child	36 months
Death of employee	Spouse Dependent Child	36 months
Loss of dependent child status under the plan	Dependent Child	36 months

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