Are newborns or newly added dependents automatically covered under COBRA?

• A. Yes, automatically
• B. They must be offered continuation; the enrollee typically must receive a new election notice to cover the newborn or newly added dependent
• C. They are covered only if the plan allows
• D. They are never covered under COBRA

Answer: (B)

When a newborn or newly added dependent happens, it’s treated as a qualifying event under COBRA. The plan must offer continuation coverage to that dependent, but it isn’t automatic. The enrollee typically receives a new COBRA election notice specifically for the newborn or added dependent, and they must elect to continue coverage (and pay any required premiums) for that dependent. Until the election is made, the newborn isn’t covered under COBRA. This is why the correct answer emphasizes offering continuation and issuing a new election notice for the newborn or newly added dependent.