Which scenario generally qualifies an employee for COBRA continuation coverage?

• A. Resignation or layoff
• B. New hire
• C. Annual benefits renewal
• D. Change of job title

Answer: (A)

COBRA continuation coverage is triggered when a qualifying event ends the employee’s eligibility for the employer’s health plan. Resignation or layoff is a classic qualifying event because both stop the employee’s coverage under the group plan. The other scenarios don’t involve losing current coverage: starting a new job means you’re still employed and may enroll in a new plan, annual benefits renewal is just plan maintenance, and a change in job title doesn’t terminate coverage. After a qualifying event, the employee can typically elect to continue the existing group coverage for a limited period (commonly up to 18 months).