Medical continuation eligibility and duration

This chart outlines the circumstances in which you, your spouse (or former or surviving spouse), and/or your eligible children may extend coverage under medical continuation.

​Reason for loss of coverage ​Eligible individual ​Duration of medical continuation coverage
​Member’s employment terminates or hours are reduced resulting in loss of eligibility (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 continuation coverage)
​​Member’s employment terminates or hours are reduced resulting in loss of eligibility (before age 55 or at any age if not vested) ​ ​​Spouse​​18 months (29 months if spouse is disabled during first 60 days of medical continuation coverage)
​​Member’s employment terminates or hours are reduced resulting in loss of eligibility (before age 55 or at any age if not vested) ​ ​​Child​​18 months (29 months if child is disabled during first 60 days of medical continuation coverage)
​Member’s disability status ends, and termination status starts​Member, spouse, child ​18 months
​Member’s death ​​Surviving spouse​36 months (includes 12 months of no-cost coverage)
​​Member’s death ​Child​36 months or, if earlier, until age 26 (includes 12 months of no-cost coverage)
​Divorce/dissolution ​​Former spouse​36 months
​​Divorce/dissolution ​​Stepchild​36 months or, if earlier, until age 26
​Employment terminates or early retirement 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 coverage. ​​Member, spouse​Until eligible for Medicare and Medicare Supplement
​​Employment terminates or early retirement 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 coverage. ​​Child​Until age 26
​Early retirement for vested member at age 55 or older who does not meet the Rule of 70​Member, spouse, child​18 months
​Child loses eligibility because of age​Child​36 months
​Employer withdraws employment classification from plan participation​Not applicable​Not available