COBRA and Continuation Coverage Flashcards

Which event does NOT qualify as a COBRA-triggering event for a covered dependent child?

Answer: Dependent reaching age 26

While aging off a parent's plan at 26 is a qualifying event for COBRA, aging off is specifically listed as a qualifying event for dependent children who lose coverage.

State 'mini-COBRA' laws differ from federal COBRA primarily because they:

Answer: Apply to employers with fewer than 20 employees

State mini-COBRA laws fill the gap left by federal COBRA by requiring small employers (typically under 20 employees) to offer continuation coverage.

If an employer fails to send a COBRA qualifying event notice to the plan administrator on time, who bears the cost of the oversight?

Answer: The employer is liable for the costs of coverage during the delay

If an employer fails to notify the plan administrator timely, the employer may be held liable for any benefits the qualified beneficiary was unable to access during the missed period.

COBRA continuation coverage must be identical to the coverage available to:

Answer: Similarly situated active employees under the plan

COBRA continuation must be the same coverage as that available to similarly situated active employees and their beneficiaries on the day before the qualifying event.

A COBRA-eligible employee who waives COBRA at the time of the qualifying event may later revoke the waiver and elect COBRA during the:

Answer: Original 60-day election period

An employee who initially waives COBRA can revoke that waiver and elect COBRA at any time within the original 60-day election window.

Under COBRA, if a second qualifying event occurs during an active COBRA period, a dependent's coverage can be extended to a maximum of:

Answer: 36 months from the first qualifying event

A second qualifying event during COBRA can extend a dependent's coverage to a maximum of 36 months from the original qualifying event date.