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Download Now Employees and their covered dependents who lose coverage because of a termination of employment or a reduction in hours are entitled to 12 months of continuation coverage if they were covered for the previous 3 months. Spouses and dependents who lose coverage because of divorce, legal separation, death of the employee, or exceeding a plan's age limit are entitled to 12 months of continuation coverage if they were covered for the 3 months preceding the event causing the loss of coverage.
Continuation is not available for any person who is covered by Medicare or covered by any other insured or uninsured arrangement that provides group hospital, surgical, or medical coverage. Continuation does not have to include dental or vision care benefits or any other benefits provided under the group policy other than hospital, surgical, or major medical benefits unless the insurer previously included such benefits and the insured requests those benefits.
Notice, election, and premium payment requirements. Notice of continuation rights must be included in the certificates of coverage. Elections of continuation coverage must be made within 31 days following the termination of coverage. Premiums must be paid to the ...