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5.8.4   Length of Coverage

In compliance with COBRA, the opportunities for an employee to continue their health coverage vary according to the qualifying event(s).

  • Employees terminated for reasons (see page 57) (5.8.1) whose hours are reduced may continue their coverage for 18-months
  • In the event of an employee death, divorce, legal separation, employee’s Medicare entitlement, or loss of child dependent status, coverage may be continued for 36-months
  • If the employee or covered family member is disabled at any time during the first 60 days of their 18-month continued coverage, the period is extended to a total of 29 months. The 29-month extension applies to the disabled individual and to all other qualified beneficiaries. The disability status is determined by the Social Security Administration. The 29-month continuation period may be extended to 36 months if certain additional qualifying events occur during the 29-month period
  • In no event will coverage extend beyond 36 months from the date of the event that originally made the employee or a qualified beneficiary eligible to elect continuation of coverage. The Benefits Office must be notified if a second qualifying event occurs during the continuation of coverage period                 

a.   Continuation of Coverage May Be Cut Short

An employee’s continuation of coverage may be cut short prior to the expiration of the 18-, 29-, or 36- month period for any of the following reasons:

  • The College no longer provides group health coverage to any of its employees
  • The premium for continuation of coverage is not paid within the applicable grace period
  • The individual becomes covered under any other group health plan, and the individual is not excluded or limited with respect to any preexisting condition. (other than an exclusion or limitation that, after July 1, 1997, does not apply to, or is satisfied by, the individual under the provisions of the Health Insurance Portability and Accountability Act of 1996)
  • The individual becomes entitled to Medicare
  • The Social Security Administration makes a final determination that the individual is no longer disabled

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