Department of Labor and Regulation

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COBRA FAQ — What are qualifying events?

Qualifying events are certain events that would cause an individual to lose health coverage. The type of qualifying event will determine who the qualified beneficiaries are and the amount of time a plan must offer the health coverage to them under COBRA. A plan, at its discretion, may provide longer periods of continuation coverage.

Qualifying Events for Employees

  • Voluntary or involuntary termination of employment for reasons other than gross misconduct.
  • Reduction in the number of hours of employment.

Qualifying Events for Spouses

  • Voluntary or involuntary termination of the covered employee's employment for any reason other than gross misconduct.
  • Reduction in the hours worked by the covered employee.
  • Covered employee's becoming entitled to Medicare.
  • Divorce or legal separation of the covered employee.
  • Death of the covered employee.

Qualifying Events for Dependent Children

  • Loss of dependent child status under the plan rules.
  • Voluntary or involuntary termination of the covered employee's employment for any reason other than gross misconduct.
  • Reduction in the hours worked by the covered employee.
  • Covered employee's becoming entitled to Medicare.
  • Divorce or legal separation of the covered employee.
  • Death of the covered employee.

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Division of Insurance
124 S. Euclid Ave., 2nd Floor
Pierre, SD 57501
Tel. 605.773.3563
Fax. 605.773.5369