When an employee experiences an event listed below that causes a loss of coverage under the group health plan, it’s a COBRA qualifying event and COBRA must be offered.
The loss of coverage need not occur immediately after the event. According to the IRS, a loss of coverage occurs when you “cease to be covered under the same terms and conditions as in effect immediately before the qualifying event.” Under that definition, a loss of coverage includes an increase in the employee premium or contribution, if the increase is tied to a qualifying event.
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