Florida 2-15 Life, Health and Variable Annuity AgentFlorida Laws and Regulations Specific to Health InsuranceMedium
A Florida business owner provides group health insurance to their 25 employees. If the business decides to terminate the group health policy, what is the maximum number of months that the employer would be required to offer Florida Mini-COBRA continuation coverage to eligible employees?
- A36 months
- B6 months
- C18 months
- D12 months
Show answer & explanationAnswer & explanation
Correct answer: C. 18 months
Florida Mini-COBRA applies to employers with fewer than 20 employees but is often referenced for continuation requirements. For employers with 20 or more employees, federal COBRA applies, which mandates 18 months of continuation coverage for termination of employment or reduction of hours.
Why the other options are wrong
- A. 36 months is the duration for certain qualifying events like divorce or loss of dependent status under federal COBRA, but not for termination of employment.
- B. 6 months is not the standard duration for COBRA or Mini-COBRA.
- D. 12 months is not the standard duration for COBRA or Mini-COBRA.
Florida Mini-COBRA / Federal COBRA Duration
The period for which eligible individuals can continue their group health coverage after a qualifying event.
- Federal COBRA (20+ employees): 18 or 36 months.
- Florida Mini-COBRA (2-19 employees): 18 months.
- Qualifying events include termination, reduction of hours, divorce, etc.
Memory trick: Eighteen months for job loss, thirty-six for family shift.