Which of the following is not a qualifying event for COBRA?
Asked by: Ellsworth Schulist | Last update: May 15, 2025Score: 4.7/5 (20 votes)
What is not a COBRA qualifying event?
A loss of coverage caused by an event not listed as a triggering event will not result in a right to continuation coverage under COBRA. This includes events such as a change in plan eligibility rules, failure to pay plan premiums, or an employee's decision to voluntarily drop coverage.
What are the 7 COBRA qualifying events?
The seven COBRA qualifying events that allow individuals to maintain their employer-sponsored health insurance include termination of employment for reasons other than gross misconduct, reduction in the number of work hours, divorce or legal separation from the covered employee, the covered employee becoming entitled ...
Which of the following would not be a qualifying event under COBRA?
Under COBRA, the event that does NOT qualify for continued health coverage is gross misconduct. This means if an employee is terminated for gross misconduct, they are not eligible for COBRA benefits. The correct answer is option C: Gross misconduct.
Which of the following is a COBRA qualifying event?
The following are qualifying events: the death of the covered employee; a covered employee's termination of employment or reduction of the hours of employment; the covered employee becoming entitled to Medicare; divorce or legal separation from the covered employee; or a dependent child ceasing to be a dependent under ...
COBRA Qualifying Events
Who does not qualify for COBRA?
Why would an employee not qualify to enroll in Cal-COBRA? The employee is enrolled in or eligible for Medicare. The employee does not enroll within 60 days of receiving the notice of eligibility from the employer. The employee is covered by another health plan.
Is Ltd a COBRA qualifying event?
STD and LTD benefits generally provide income replacement for individuals who must take a leave of absence from work due to a qualifying condition instead of medical care. Because STD and LTD typically do not provide medical care, they're not subject to COBRA and would not be required to continue under COBRA.
What plans are not subject to COBRA?
Indemnity policies, PPOs, HMOs, and self-insured plans are all eligible for COBRA extension; however, federal government employee plans and church plans are exempt from COBRA. Individual health insurance is also exempt from COBRA extension.
Is FMLA a COBRA qualifying event?
Group health coverage that is provided under the FMLA during a family or medical leave is not COBRA continuation coverage, and taking FMLA leave is not a qualifying event under COBRA.
Which of the following is considered a qualifying event under COBRA Quizlet?
Which of the following is considered a qualifying event under cobra? Divorce. Other qualifying events include the voluntary termination of employment; an employee's change from full time to part time; or the death of the employee.
What are the rules for COBRA coverage?
- Your group health plan must be covered by COBRA.
- A qualifying event must occur.
- You must be a qualified beneficiary for that event.
Which of the following statements is not correct concerning the Cobra Act of 1985?
Explanation: The statement that is NOT correct concerning the COBRA Act of 1985 is: It requires all employers, regardless of the number or age of employees, to provide extended group health coverage.
Is expiration of COBRA a qualifying event?
However, you won't qualify if you decide to end COBRA early and are paying the full benefit cost yourself. You also don't qualify if you lose your COBRA coverage because you didn't pay your premiums. Remember, you don't need a special enrollment period if you voluntarily end COBRA during open enrollment.
Is marriage a COBRA qualifying event?
If you or your dependent elects COBRA continuation coverage, you will have another opportunity to request special enrollment in a group health plan or a Marketplace plan if you have a new special enrollment event, such as marriage, the birth of a child, or if you exhaust your continuation coverage.
What is the COBRA loophole?
If you decide to enroll in COBRA health insurance, your coverage will be retroactive, meaning it will apply to any medical bills incurred during the 60-day decision period. This loophole can save you money by avoiding premium payments unless you actually need care during this time.
Is a strike a COBRA qualifying event?
For example, a strike or a lockout is a termination or reduction of hours that constitutes a qualifying event if the strike or lockout results in a loss of coverage as described in paragraph (c) of Q&A-1 of this section. Similarly, a layoff that results in such a loss of coverage is a qualifying event.
What is not a qualifying event to trigger COBRA coverage?
Taking a leave of absence under the Family and Medical Leave Act of 1993 (FMLA) is not a COBRA qualifying event because FMLA requires a covered employer to maintain group health plan benefits for an employee so the employee has no coverage loss.
What are FMLA qualifying events?
The FMLA protects leave for: The birth of a child or placement of a child with the employee for adoption or foster care, The care for a child, spouse, or parent who has a serious health condition, A serious health condition that makes the employee unable to work, and.
Is resignation a qualifying event for COBRA?
Yes, You Can Get COBRA Insurance After You Quit Your Job
COBRA allows you to keep your employer-sponsored health insurance for up to 18 months if your coverage ends due to job loss, quitting or termination.
Are disability plans subject to COBRA?
“Because long-term disability plans do not provide medical care; instead, they provide income replacement, they are not subject to COBRA and would not be required to be continued under COBRA,” Carlton says.
Are level funded plans subject to COBRA?
Employers with level funded plans must also make sure they are using correct COBRA rates. COBRA premium must be based on actual cost of providing coverage in the prior plan year or expected cost of providing coverage in the current year.
What happens if I elect COBRA but don't pay?
There is no grace period if you're late paying your initial COBRA premium payment. 3 If it isn't paid on time (ie, within 45 days of electing COBRA), you lose your right to have COBRA coverage; you'll have to find other health insurance options or you'll be uninsured.
How do you qualify for COBRA?
Why is COBRA so expensive?
COBRA coverage is not cheap.
Why? Because you're now responsible for paying your portion of your health insurance: The cost your employer contributed to your premium, in addition to the 2% service fee on the cost of your insurance.
Are voluntary benefits subject to COBRA?
An employer is not required to offer COBRA continuation on a voluntary benefit plan if (1) the plan does not qualify as a group health plan; and (2) the plan is considered completely voluntary.