Are COBRA rights transferable when the employee remains employed but coverage would end?

• A. Yes; rights transfer automatically to the new employee.
• B. No; COBRA rights attach to the qualified beneficiaries listed; ongoing employment does not transfer rights between parties.
• C. Yes; if the employer approves.
• D. Only for dependents.

Answer: (B)

COBRA continuation rights are personal and attach to the qualified beneficiaries listed on the plan (the employee, spouse, and/or dependent child) at the time of a qualifying event. If the employee remains employed but their coverage would end, those rights do not transfer to a different employee or to someone else. Each qualified beneficiary has the right to elect COBRA for themselves, but employment status or changes in the employer do not transfer those rights between parties.