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Eligibility and Duration Chart

Reason for loss of coverage Eligibility Duration of coverage
Member's employment terminates (before age 55 or at any age if not vested)
  • Member

18 months (29 months if member is disabled during first 60 days of medical contiuation coverage)

  • Spouse
18 months (29 months if spouse is disabled during first 60 days of medical contiuation coverage)
  • Child
18 months (29 months if child is disabled during first 60 days of medical contiuation coverage)
Member's disability status ends and termination status starts
  • Member
18 months
  • Spouse
18 months
  • Child
18 months
Member's death
  • Surviving 
    spouse

36 months

  • Child
Until loss of eligibility
Divorce/Dissolution
  • Former spouse

36 months

  • Child
Until loss of eligibility
Employment terminates for vested member at age 55 or older who meets the Rule of 70 and retirement is deferred; eligible to waive the continuous coverage requirement with other qualified health plan
  • Member

Until eligible for Medicare and Medicare Supplement

  • Spouse 
Until eligible for Medicare and Medicare Supplement
  • Child
Until loss of eligibility
Early retirement for vested member at age 55 or older with at least five years of plan participation, and the sum of the years of plan participation and age at retirement equals 70 or more; eligible to waive the continuous coverage requirement with other qualified health plan
  • Member
Until eligible for Medicare and Medicare Supplement
  • Spouse 
Until eligible for Medicare and Medicare Supplement
  • Child
Until loss of eligibility
Early retirement for vested member at age 55 or older; does not meet the Rule of 70
  • Member
18 months
  • Spouse 
18 months
  • Child
18 months
Child loses eligibility because of age
  • Child
36 months
Employer withdraws employment classification from plan participation.
  • No one
Not available