Who are COBRA eligible dependents?
Asked by: Dr. Emmitt Shields Jr. | Last update: October 15, 2025Score: 4.9/5 (3 votes)
Are dependents covered under COBRA?
Federal COBRA requires continuation coverage be offered to covered employees, their spouses, former spouses, and dependent children.
Who are qualified beneficiaries under COBRA?
A qualified beneficiary is an individual who is entitled to COBRA continuation coverage because he or she was covered by a group health plan on the day before a “qualifying event.” Depending on the circumstances, the following individuals may be qualified beneficiaries: a "covered employee" (a term that includes active ...
What groups are eligible for COBRA?
- An employee.
- Spouse.
- Former spouses.
- Dependent children.
Is dependent care COBRA eligible?
COBRA premiums are not eligible with a limited-purpose flexible spending account (LPFSA) or dependent care flexible spending account (DCFSA). What is COBRA insurance?
How COBRA Act works | Benefit Administration
Who is eligible for dependent care?
A qualifying person generally is a dependent under the age of 13, a spouse or dependent of any age who is incapable of self-care and who lives with you for more than half of the year.
What is considered a Dependant for health insurance?
However, the definition of eligible dependents can vary by plan. Typically, dependents can include your spouse, children under a certain age (often up to 26), and sometimes other relatives like stepchildren or legally adopted children.
Who is not eligible for 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.
What are groups of COBRA?
Answer and Explanation: A group of cobras is called a quiver. This is in addition to the collective names for a group of snakes. These include a nest, a bed, and a knot, among others.
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.
Who is a qualified eligible beneficiary?
Any of the following individuals are considered an eligible designated beneficiary (EDB): a surviving spouse, a disabled or chronically ill individual, an individual who is not more than 10 years younger than the IRA owner, or a child of the IRA owner who has not reached the age of majority.
Are you eligible for COBRA if you quit?
Whether you quit, get fired or are laid off, you may be able to choose your former employer's health plan under a federal law called COBRA. That stands for Consolidated Omnibus Reconciliation Act. It's available if: You were enrolled in an employer-sponsored medical, dental or vision plan.
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.
Does COBRA cover loss of dependent status?
Loss of Dependent Child Status
If a dependent enrolled in a health plan loses eligibility because he or she loses dependent child status under the plan rules, that individual may be entitled to COBRA continuing coverage for up to 36 months.
Can you drop a dependent from COBRA?
Generally, COBRA requires that an employee, spouse or dependent child be covered by the plan the day prior to the qualifying event. However, there is an exception in the regulation regarding spouses or dependent children who are dropped by an employee in anticipation of divorce or legal separation.
Are student health plans eligible for COBRA?
The Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA) is a federal mandate requiring employers to offer extension of health care benefits to their employees after termination of employment. The Student Health Plan is not an employer plan and therefore, COBRA is not available.
What is the family of a COBRA?
Cobras are venomous snakes related to taipans, coral snakes, and mambas, all members of the Elapidae family. Snakes in this family cannot fold their fangs down, as vipers can, so the fangs are generally shorter. They kill their prey by injecting venom through their fangs.
What are the 7 classifications of a COBRA?
The common name 'cobra' is applied to about 30 species of snakes in 7 genera (Aspidelaps, Boulengerina, Hemachatus, Naja, Ophiophagus, Pseudohaje and Walterinnesia) within the family Elapidae.
What is COBRA participants?
The Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA) is a federal law that allows eligible employees and/or dependents (spouse and children) who are losing their health, dental or vision benefits to continue coverage in certain circumstances where coverage might otherwise end.
Can a dependent get COBRA without the employee?
Coverage for Dependents
Your dependents (i.e., spouse, former spouse or children) are also eligible for COBRA coverage, even if you (the former employee) do not sign up for COBRA coverage.
What are the qualifying reasons for COBRA?
- Voluntary or involuntary termination of employment for reasons other than gross misconduct.
- Reduction in the number of hours worked, affecting eligibility for health insurance.
- Transition between jobs, leading to a temporary loss of health insurance.
Are non citizens eligible for COBRA?
I'd like to know if a non-U.S. citizen (non-resident alien) on an F1 student visa, who receives an income from a U.S. company is eligible for COBRA insurance for a few months? If you are legally in the United States, you are eligible for COBRA if you lost your employer-sponsored health insurance.
Who qualifies as a Dependant?
Relationship: Be your son, daughter, stepchild, eligible foster child, brother, sister, half-sister or -brother, stepbrother, stepsister, adopted child or the child of one of these. Age: Be under age 19 or under 24 if a full-time student, or any age if permanently and totally disabled.
Is my girlfriend a dependent for health insurance?
Include an unmarried domestic partner only if you have a child together or you'll claim your partner as a tax dependent. Don't include people you just live with — unless they're a spouse, tax dependent, or covered by another exception in this chart.
Is my wife a dependent if she doesn't work?
The taxpayer's spouse cannot be claimed as a dependent. Some examples of dependents include a child, stepchild, brother, sister, or parent. Individuals who qualify to be claimed as a dependent may be required to file a tax return if they meet the filing requirements.