Q.- I have an employee who plans to resign in June. She currently covers herself and her son under her medical insurance. She is Medicare eligible so will not need medical coverage, but her son will. He turns 26 in August 2016. How much COBRA coverage should we offer the son?
A.- The initial COBRA qualifying event is due to termination of employment, so 18 months of COBRA will be offered. If still covered under COBRA in August 2016, the son will have a second qualifying event when he is no longer a dependent. Aging out of the plan will entitle him to a total of 36 months of coverage measured from the original qualifying event date of termination of employment.