California Cobra Program
Cal. INS § 10128.57
California Statutes
(
a) The continuation coverage provided pursuant to this
article shall terminate at the first to occur of the following:
(1) In the case of a qualified beneficiary who is eligible for continuation coverage pursuant to paragraph (2) of subdivision (
d) of
Section 10128.51, the date months after the date the qualified beneficiary’s benefits under the contract would otherwise have terminated because of a qualifying event.
(2) Except as provided in
Section of ARRA, the end of the period for which premium payments were made, if the qualified beneficiary ceases to make payments or fails to make timely payments of a required premium, in accordance with the terms and conditions of the policy or contract. In the case of nonpayment of premiums, reinstatement shall be governed by the terms and conditions of the policy or contract and by
Section of ARRA, if applicable.
(3) In the case of a qualified beneficiary who is eligible to continuation coverage pursuant to paragraph (1), (3), (4), or (5) of subdivision (
d) of
Section 10116.51, the date months after the date the qualified beneficiary’s benefits under the contract would otherwise have terminated by reason of a qualifying event.
(4) The requirements of this
article no longer apply to the qualified beneficiary pursuant to the provisions of
Section 10128.52.
(5) In the case of a qualified beneficiary who is eligible for continuation coverage pursuant to paragraph (2) of subdivision (
d) of
Section 10128.51, and determined, under Title II or Title XVI of the Social Security Act, to be disabled any time during the first days of continuation coverage, and the spouse or dependent who has elected coverage pursuant to this article, the date months after the date the qualified beneficiary’s benefits under the contract would otherwise have terminated because of a qualifying event.
The qualified beneficiary shall notify the insurer, or the employer or administrator that contracts to perform administrative services, of the social security determination within days of the date of the determination letter and prior to the end of the original 36-month continuation coverage period in order to be eligible for coverage pursuant to this subdivision.
If the qualified beneficiary is no longer disabled under Title II or Title XVI of the Social Security Act, the benefits provided in this paragraph shall terminate on the later of the date provided by paragraph (1), or the month that begins more than days after the date of the final determination under Title II or Title XVI of the United States Social Security Act that the qualified beneficiary is no longer disabled.
A qualified beneficiary eligible for months of continuation coverage as a result of a disability shall notify the insurer, or the employer or administrator that contracts to perform the notice and administrative services, within days of a determination that the qualified beneficiary is no longer disabled.
(6) In the case of a qualified beneficiary who is initially eligible for and elects continuation coverage pursuant to paragraph (2) of subdivision (
d) of
Section 10128.51, but who has another qualifying event, as described in paragraph (1), (3), (4), or (5) of subdivision (
d) of
Section 10128.51, within months of the date of the first qualifying event, and has notified the insurer, or employer or administrator under contract to provide administrative services, of the second qualifying event within days of the date of the second qualifying event, the date months after the date of the first qualifying event.
(7) The employer, or any successor employer or purchaser of the employer, ceases to provide any group benefit plan to his or her employees.
(8) The qualified beneficiary moves out of the insurer’s service area, or the qualified beneficiary commits fraud or deception in the use of benefits. (
b) If the group benefits contracts between the insurer and the employer is terminated prior to the date the qualified beneficiary’s continuation coverage would terminate pursuant to this section, coverage under the prior plan shall terminate and the qualified beneficiary may elect continuation coverage under the subsequent group benefit plan, if any, pursuant to the requirements of subdivision (
b) of
Section 10128.53 and subdivision (
c) of
Section 10128.54. (
c) The amendments made to this
section by Assembly Bill of the 2001–02 Regular Session shall apply to individuals who begin receiving continuation coverage under this
article on or after January 1, 2003.