For dependent children, what event qualifies them for COBRA beyond the employee's qualifying events?

• A. Child loses dependent status under the plan
• B. Child turns 65
• C. Child marries
• D. Child moves to another plan

Answer: (A)

Losing dependent status under the plan is the event that allows a dependent child to elect COBRA beyond the employee’s own qualifying events. When a child ceases to meet the plan’s definition of a dependent—such as aging out or no longer qualifying as a dependent under the plan—their coverage would otherwise end. COBRA steps in to let them continue the same group coverage for a limited period, typically up to 36 months, to bridge the gap while they obtain other coverage. Turning 65 relates to Medicare eligibility and isn’t itself a COBRA trigger for dependents; marriage doesn’t automatically remove dependent status in many plans; and moving to another plan isn’t a trigger to continue under the original plan.