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YOURPEOPLE, INC.

Federal COBRA Durations and Qualified Beneficiaries

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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