Cobra Quiz

Test your COBRA knowledge! Answer the following questions and hit SUBMIT to find out how you did.

1. Does a Qualifying Event occur when a husband drops coverage under his employer's group health plan because he is taking coverage under his wife's employer's plan?

  • A. Yes
  • B. No

2. What could happen if the General COBRA Notice is not sent?

  • A. The spouse cannot be held liable for notifying the Plan Administrator of a Qualifying Event
  • B. The Employer could be fined
  • C. The employer may have to pay claims that would not have been paid if the proper procedures had been followed
  • D. All of the above

3. Generally speaking, COBRA is applicable to the group health plan(s) of employers that:

  • A.Employ 20 or more individuals on more than 50% of its typical business days during the existing plan year
  • B. Employ 20 or more individuals on more than 50% of its typical business days in the preceding plan year
  • C. Employ 50 or more individuals on more than 50% of its typical business days during the existing plan year
  • D. Employ 50 or more individuals on more than 50% of its typical business days in the preceding plan year

4. Can a spouse who was added to the ex-employee's COBRA coverage continue his or her COBRA coverage if the ex-employee dies?

  • A. Yes, for another 18 months
  • B. Yes, for a total of 36 months as measured from the original QE
  • C. Yes, for a total of 36 months as measured from the death
  • D. No
  • E. "a" or "b", whichever is greater

5. Which of the following types of employees are "counted" for COBRA purposes?

  • A. Part-time employees
  • B. Self-employed individuals
  • C. Independent contractors and their employees
  • D. Non-employee directors of a corporation
  • E. All of the above
  • F. None of the above

6. A company has employees in every US State and offers indemnity, PPO and HMO health plan coverage to its employees. An employee quits and moves from a state where he had coverage under a regional HMO plan to a state where the only health plan offered is the indemnity plan. Must the company offer this plan to the qualifier?

  • A. Yes
  • B. No

7. Can a COBRA participant also have Medicare coverage?

  • A. No
  • B. Yes, if they are eligible for Medicare after their qualifying event
  • C. Yes, if they had Medicare coverage prior to their election of COBRA

8. What is a COBRA qualifying event?

  • A. Termination of employment
  • B. Reduction in work hours
  • C. Loss of dependent status
  • D. Divorce or death of an employee
  • E. All of the above

9. After electing continuation, how many days does the qualified beneficiary have to make the first payment of all premiums due?

  • A. 30 days
  • B. 45 days
  • C. 60 days
  • D. It depends

10. A plan covers domestic partners. Are they eligible for COBRA when an employee has a Qualifying Event?

  • A. Yes, if state law allows it
  • B. Yes, only if the employee himself elects COBRA
  • C. Generally no, federal COBRA law does not recognize domestic partners as legal spouses
  • D. Yes, if the plan allow them to be covered in the first place

11. COBRA regulations require that the General Rights Notice of COBRA rights must be sent to the covered individual(s) within _____ days of the date they first become covered under the plan?

  • A. 30 days
  • B. 45 days
  • C. 90 days
  • D. It depends