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Qualifying Events
18-Month Qualifying Events
  • Voluntary termination
  • Involuntary termination
  • Reduction of hours (strike, layoff, leave of absence, FMLA, full-time to part-time)

The 18-month qualifying events provide for 18 months of coverage for all qualified beneficiaries from the date of the qualifying event.

36-Month Qualifying Events
  • Death of the employee
  • Employee’s Medicare entitlement
  • Divorce or legal separation
  • Dependent child ceasing to be a dependent