What determines the duration of state mini-COBRA?

• A. The employee's tenure.
• B. Employer's preferred length.
• C. State law; durations vary by state.
• D. Federal policy across all states.

Answer: (C)

The length of state mini-COBRA is determined by state law. Each state has its own continuation rules for plans not covered by federal COBRA, so the minimum and maximum durations can vary widely from state to state. Because it’s a state-by-state requirement, there isn’t a universal federal duration that applies to all mini-COBRA programs, and neither the employee’s tenure nor the employer’s preference sets the timeline. In short, the duration is set by the state statute, which is why durations differ by state.