Warning: include(/var/chroot/home/content/e/m/p/emplawfirm/html/list.php) [function.include]: failed to open stream: No such file or directory in /home/content/24/7172424/html/index.php on line 13

Warning: include() [function.include]: Failed opening '/var/chroot/home/content/e/m/p/emplawfirm/html/list.php' for inclusion (include_path='.:/usr/local/php5/lib/php') in /home/content/24/7172424/html/index.php on line 13

Warning: session_start() [function.session-start]: Cannot send session cookie - headers already sent by (output started at /home/content/24/7172424/html/index.php:13) in /home/content/24/7172424/html/libraries/joomla/session/session.php on line 423

Warning: session_start() [function.session-start]: Cannot send session cache limiter - headers already sent (output started at /home/content/24/7172424/html/index.php:13) in /home/content/24/7172424/html/libraries/joomla/session/session.php on line 423

Warning: Cannot modify header information - headers already sent by (output started at /home/content/24/7172424/html/index.php:13) in /home/content/24/7172424/html/libraries/joomla/session/session.php on line 426
St. Louis Missouri Labor & Employment Law Firm | Unemployment Attorney | COBRA Benefits
Call Us Now : (314) 645-4100
MISSOURI LABOR AND EMPLOYMENT LAW
COBRA Benefits

Consolidated Omnibus Reconciliation Act (COBRA)

Health Insurance Benefits When You Are Unemployed

The Consolidated Omnibus Budget Reconciliation Act (COBRA) is a federal aw that allows employee to continue receiving their health insurance benefits, at the employee's expense, for up to eighteen (18) months after either voluntary or involuntary termination. COBRA only applies if the employer has twenty (20) or more employees.

COBRA Benefits Under Missouri Law

Employees of employers in Missouri with less than twenty (20) employees can qualify for nine months of continuation of coverage.

Qualifying for COBRA Continuing Coverage

In order to qualify to receive COBRA continuation coverage, an employee must have a qualifying event that causes the employee to lose their group health coverage.

The most common qualifying events for employees include:

  • Voluntary or involuntary termination of employment (for reasons other than gross misconduct)
  • A reduction in the number of hours worked

The most common qualifying events for spouses include:

  • A loss of coverage by the employed spouse because of one of the qualifying events listed above
  • Covered employee becomes eligible for Medicare
  • Divorce of legal separation of the covered employee
  • Death of the covered employee

The most common qualifying events for dependent children include:

  • A loss of coverage because of any of the qualifying events listed above
  • A loss of status as a dependent child under the rules of the health plan

Consultation with Attorney Jason M. Finkes

For a consultation with Attorney Jason M. Finkes in St. Louis, Missouri, call (314) 721-3320, fill out our standard contact form, or email us at This e-mail address is being protected from spambots. You need JavaScript enabled to view it