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Oregon Health Insurance Continuation (COBRA): What you need to know

Both Oregon law and the federal Consolidated Omnibus Budget Reconciliation Act (COBRA) permit employees to continue group coverage if they leave the group for certain reasons. Under COBRA, employees may apply the law that is most favorable to their situation.
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Oregon's continuation requirements apply to all employers, including those not covered by COBRA; however, there are special rules for spouses aged 55 or older that apply only to employers with 20 or more employees. In the case of divorce or the death of an employee whose spouse is aged 55 or older, the continuation period under state law for the spouse and any dependents has no time limit and is more liberal than the federal provision.
Oregon's continuation requirements cover hospital and medical plans of all employers regardless of size. Employers of 20 or more employees must continue dental, drug, and vision benefits for eligible spouses over the age of 55 and their dependents. Employees who have been covered under a group policy for at least 3 months and are not eligible for Medicare or any other program are covered by the continuation requirements. Laid-off employees rehired within 6 months regain continuation rights without any additional period of coverage. Spouses and dependents who lose coverage because of divorce, separation, or death are entitled to 6 months of continuation, but there is no time limit for a spouse over the age of 55.
The time when Oregon continuation rights end varies depending on the reason coverage would otherwise have terminated and the circumstances of the individuals eligible for continuation.
Loss of Coverage Due to Termination of Employment, Reduction of Hours, or Layoff
When coverage would have been lost due to termination of employment, reduction in hours, or layoff, state law continuation rights end on the earliest of 9 months from the date of loss of coverage, the date the individual becomes eligible for coverage under another group policy, the end of the period for which premiums were paid, the first premium due date after the person becomes eligible for Medicare, or the date on which the policy is terminated or the employer terminates participation under the policy. If the policy is terminated and replaced, coverage remains available for the balance of the continuation period.

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More on this topic:

expand-collapse sectionState Continuation Rights
expand-collapse sectionCoverage
expand-collapse sectionLength of Continuation Coverage
expand-collapse sectionNotification and Election Requirements
expand-collapse sectionPortability Plans
expand-collapse sectionConversion

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