Florida 2-15 Life, Health and Variable Annuity AgentFlorida Laws and Regulations Specific to Health InsuranceMedium
A Florida employer provides group health insurance to its employees. If an employee is terminated for gross misconduct, what are their rights regarding continuation of health coverage under Florida Mini-COBRA?
- AThey are eligible for up to 18 months of continued coverage.
- BThey are not eligible for continuation of coverage.
- CThey are eligible for up to 36 months of continued coverage.
- DThey are eligible for up to 29 months of continued coverage.
Show answer & explanationAnswer & explanation
Correct answer: B. They are not eligible for continuation of coverage.
Both federal COBRA and Florida Mini-COBRA include an exception for termination due to gross misconduct, making the employee ineligible for continuation of coverage.
Why the other options are wrong
- A. This is the standard COBRA/Mini-COBRA duration for most qualifying events, but not for gross misconduct.
- C. This duration applies to certain qualifying events like death of employee or divorce, not gross misconduct.
- D. This duration applies to disability extensions, not gross misconduct.
Gross Misconduct COBRA Exception
Under both federal COBRA and Florida Mini-COBRA, employees terminated for gross misconduct are not eligible for continuation of group health coverage.
- Applies to both federal COBRA and Florida Mini-COBRA.
- Termination must be for 'gross misconduct'.
- Disqualifies employee from electing continuation coverage.
Memory trick: COBRA exceptions are GROSS