Typically, COBRA would be offered only to individuals who were covered on the day before the qualifying event. However, COBRA regulations state that if coverage is reduced or lost in anticipation of a qualifying event, the cutback in coverage is disregarded.; For example, is an employee terminates coverage for the (soon to be) ex-spouse, COBRA coverage would be offered when the divorce (or legal separation) becomes final.

Last updated on September 23, 2010 by Steve