How do I qualify for COBRA?

COBRA is available from employers offering group insurance who employ 20 or more people. The election period is the 60 days, beginning after the last day of group coverage. Benefits under COBRA generally last up to 18 months.

For an employee to qualify for COBRA, there must be a reduction in hours or a termination -- either voluntary or involuntary. Spouses and dependents can also qualify if the employee is entitled to Medicare and receives benefits, in the event of the employee's death, or due to a divorce or legal separation.