COBRA 101

COBRA coverage starts from the date of the qualifying event that actually causes the loss of coverage, not the actual date of the loss of coverage. For example, when Harriett is laid off, her employer gives her three months of health insurance as part of a severance package. The Qualifying Event, the layoff, occurs three months before there is any loss of coverage. Harriett's COBRA protection starts on the date of the layoff, not on the date the three months of health coverage ends.

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