COBRA-ending event?

Hunter1 · October 2003

Beneficiary reached limiting age and went on COBRA 6 months ago. Is now getting married and eligible for spouse's group coverage. Beneficiary has had coverage and is eligible for certificate of coverage so pre-ex shouldn't be a problem. Beneficiary has health problems and would like to stay on our coverage (it is SUBSTANTIALLY better coverage than spouse's). Must we provide continuing coverage?

Pearce · October 2003

If the COBRA QB choses to enroll in coverage with the new spouse then that is an event which would allow you to terminate COBRA coverage. However, there is no obligation for the QB to enroll in other available coverage. The other plan WOULD be obligated (HIPAA special enrollment rights) to allow enrollment, if the request to enroll was made timely, when ALL available COBRA coverage through your plan is exhausted (18 months).

LindaS · October 2003

Agree with Pearse - this person has the option of staying on your COBRA coverage until their 18 months runs out.

irenesmsaclaims · October 2003

Reaching the limiting age gives rise to a 36-month COBRA continuation, not 18.

Pearce · October 2003

Correct if limiting age is intended to mean a previously eligible dependent child who has lost coverage because the child no longer meets the age requirements of a dependent child.

COBRA-ending event?

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