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What Qualifying Events Trigger COBRA?


The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) requires employers to offer covered employees who lose their health benefits due to a qualifying event to continue group health benefits for a limited time at the employee’s own cost. Per regulation, qualifying events are specific events that cause or trigger an individual to lose health coverage. The type of qualifying event determines who the qualified beneficiaries are and the maximum length of time a plan must offer continuation coverage. A group health plan may provide longer periods of continuation coverage beyond the maximum of 18 or 36 months required by law.

There are seven triggering events that are qualifying events for COBRA coverage if they result in loss of coverage for the qualified beneficiaries, which may include the covered employee, the employee’s spouse, and dependent children.

What Qualifying Events Trigger COBRA? - Default Landing Page - Strategic Services Group - Triggering_Events_UBA

The following quick reference chart indicates the qualifying event, the individual who is entitled to elect COBRA, and the maximum length of COBRA continuation coverage.

What Qualifying Events Trigger COBRA? - Default Landing Page - Strategic Services Group - COBRA_TABLE

By Danielle Capilla, Originally Published By United Benefit Advisors