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*
​​Member’s death ​Child​36 months or, if earlier, until age 26*
​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; may be eligible to waive medical continuation coverage and meet the continuous coverage requirement for Medicare Supplement by enrolling in 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; may be eligible to waive medical continuation coverage and meet the continuous coverage requirement for Medicare Supplement by enrolling in 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

*If an active member is enrolled in the pension, death and disability, and medical plans, the member’s surviving eligible family may receive 12 months of coverage at no charge to them (or the employer), provided they notify the Board within 60 days of the date of the member’s death. After this 12-month no-cost period, the eligible family members may enroll in medical continuation coverage on a self-pay basis for up to 36 additional months.