Alaska Teamster-Employer
Welfare and Pension Trusts
14.8 COBRA QUICK REFERENCE CHART
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The following chart summarizes the circumstances under which health benefits can be continued, and the maximum duration of COBRA:
| Qualifying Event | Qualified Beneficiary | Maximum Continuation Period |
|---|---|---|
| (1) Loss of benefits caused by reduction in Eligible Employee’s hours | Employee and Dependents | 18 months after loss of benefits* |
| (2) Loss of benefits caused by termination of Eligible Employee’s employment except for gross misconduct | Employee and Dependents | 18 months after loss of benefits* |
| (3) Loss of benefits caused by death of Eligible Employee or Retired Participant | Dependents | 36 months after Qualifying Event |
| (4) Loss of benefits caused by divorce of Eligible Employee or Retired Participant | Dependents | 36 months after Qualifying Event |
| (5) Loss of benefits caused by child losing dependent child status under Plan | Dependent child | 36 months after Qualifying Event |
| (6) Entitlement to Medicare within 18 months before a Qualifying Event described in (1) or (2). | Dependents | Later of: (1) 36 mo. from Medicare entitlement, or (2) 18 months from date of loss of coverage due to original Qualifying Event |
* If a Qualified Beneficiary is disabled at any time before or during the first 60 days of COBRA coverage, COBRA coverage may continue for up to 29 months.
If a second Qualifying Event occurs within 18 months of a Qualifying Event described in (1) or (2), COBRA coverage may be extended for up to a maximum of 36 months from the date of the first Qualifying Event.
If there is any conflict between these provisions and COBRA, the minimum requirements of COBRA shall govern.