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Divorce or legal separation is a qualifying event that allows a former spouse to keep their health benefits for up to 3 years.
The 36-Month Bridge While employees usually only get 18 months of COBRA, a divorced spouse is entitled to 36 months of continuation coverage.
60 Days to Notify You must notify the plan administrator of the divorce within 60 days of the decree to stay eligible.
14 Days to Respond Once notified, the employer has 14 days to mail your official election packet.
Independent Right You can elect COBRA even if your former spouse chooses not to.
102% Cost You are responsible for the full premium plus a 2% administrative fee.
Note: Always compare COBRA costs against the Health Insurance Marketplace, as divorce triggers a Special Enrollment Period that may offer subsidized rates.
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