what age is the child covered under COBRA

[Guest cmusso]

we have an individual on COBRA family and has a son who is a full time student. AT what age is he no longer eligible to be on her plan? And if he is no longer a full time student-at what age can he stay on her plan?

thank you

[Mary C]

What does the underlying SPD say? COBRA is a continuation of the group plan. The full time student may stay on the parent's COBRA coverage until the limiting age for full time students under the group plan or until whatever age full time students may stay on an actively employed parent's plan. The same is true for non-full time students - they may stay on the parent's COBRA coverage only as long as they would have been allowed to stay on an actively employed parent's coverage.

If the reach the limiting age while on the parents COBRA coverage or drop out of school, and therfore lose eligiblity to stay on the parent's COBRA coverage, it is considered a second qualifying event that may allow them to have a total of 36 months coverage from the original qualifying event.