Duration Of Continuation Coverage

Anonymous User
Associate
House Staff
RN (NYSNA)

The following table shows the longest period of time coverage can be continued.

Healthcare Coverage may continue for 18 months

If you lose healthcare coverage due to:

Layoff, leave of absence (including military leave), termination (for reasons other than your gross misconduct) or a reduction in your regularly scheduled hours.

If your covered spouse loses healthcare coverage due to:

Your spouse is on layoff, leave of absence, terminates employment (for reasons other than gross misconduct) or a reduction in your spouse's regularly scheduled hours.

If your covered dependent child loses healthcare coverage due to:

Your parent is on layoff, leave of absence, terminates employment (for reasons other than gross misconduct) or a reduction in your parentís regularly scheduled hours.

Healthcare Coverage may continue for 29 months

If you lose healthcare coverage due to:

Disability at the time of termination of coverage or within the first 60 days of continuation coverage.

If your covered spouse loses healthcare coverage due to:

Your spouse is disabled at termination of employment or within the first 60 days of continuation coverage

If your covered dependent child loses healthcare coverage due to:

Your parent is disabled at termination of employment or within the first 60 days of continuation coverage

Healthcare Coverage may continue for 36 months

If your covered spouse loses healthcare coverage due to:

The death of your spouse, your spouse is disabled, divorce, legal separation or annulment.

If your covered dependent child loses healthcare coverage due to:

The death of your parent, you no longer qualify as a dependent for medical and dental coverage, your parentsí divorce, legal separation or annulment.
  You can choose continuation of healthcare coverage for up to:
  18 months 29 months 36 months
If you lose healthcare coverage due to one of these qualifying events:
  • layoff, leave of absence (including military leave), or termination (for reasons other than your gross misconduct)
  • a reduction in your regularly scheduled hours
  • disability (at the time of termination of coverage or within the first 60 days of continuation coverage)
 
If your covered spouse loses healthcare coverage due to one of these qualifying events:
  • your spouse is on layoff, leave of absence, or terminates employment (for reasons other than gross misconduct)
  • a reduction in your spouse's regularly scheduled hours
  • your spouse is disabled at termination of employment or within the first 60 days of continuation coverage
  • the death of your spouse
  • your spouse is disabled
  • divorce, legal separation or annulment
If your covered dependent child loses healthcare coverage due to one of these qualifying events:
  • your parent is on layoff, leave of absence or terminates employment (for reasons other than gross misconduct)
  • a reduction in your parent’s regularly scheduled hours
  • your parent is disabled at termination of employment or within the first 60 days of continuation coverage
  • the death of your parent
  • your parents’ divorce, legal separation or annulment
  • you no longer qualify as a dependent for medical and dental coverage

 

Note: In no case can COBRA coverage continue for more than 36 months, even if you experience multiple qualifying events.

When the continuation period ends, health care benefits stop.

Continuation of healthcare coverage may be cut short if:

  • You or your family members do not make all the required contributions on a timely basis
    or
  • Montefiore terminates all health plans.

Continuation of your Medical coverage will also stop if you or your family members become entitled to Medicare (coverage could continue for those individuals not eligible for Medicare for up to 36 months from the original qualifying event, provided those family members otherwise remain eligible).