COBRA

[Guest markova]

Mom & Pop are covered under Pop's employment, Pop resigns from employment and takes New York State COBRA for he and spouse. One month later the baby arrives - how is the baby covered under COBRA and for how long?

Markova

[GMK]

Generally speaking and with all the conditions that otherwise apply to COBRA eligibility qualifications,

a child born to or placed for adoption with Mom and Pop while Pop is on COBRA continuation coverage is considered to be a qualified beneficiary. That child's COBRA coverage begins when the child is enrolled and generally the maximum coverage period for the child is Pop's maximum coverage period. That is, the child's coverage lasts as long as Pop's family continuation coverage lasts for other family members.

The other factors for qualified beneficiaries also apply to the child. For example, the child may qualify for extended coverage for a disability if the Social Security Administration determines the child to be disabled within 60 days after the birth or placement for adoption.

[Guest markova]

Generally speaking and with all the conditions that otherwise apply to COBRA eligibility qualifications,

a child born to or placed for adoption with Mom and Pop while Pop is on COBRA continuation coverage is considered to be a qualified beneficiary. That child's COBRA coverage begins when the child is enrolled and generally the maximum coverage period for the child is Pop's maximum coverage period. That is, the child's coverage lasts as long as Pop's family continuation coverage lasts for other family members.

The other factors for qualified beneficiaries also apply to the child. For example, the child may qualify for extended coverage for a disability if the Social Security Administration determines the child to be disabled within 60 days after the birth or placement for adoption.