Serving those who serve South Carolina

COBRA subscribers

If your coverage or your spouse or child’s coverage ends, you may be eligible for continuation of coverage as a retiree, as a survivor or under COBRA. To drop a spouse or child from coverage, complete the appropriate Notice of Election form within 31 days of the date the spouse or child is no longer eligible for coverage.


COBRA eligibility

COBRA is short for Consolidated Omnibus Budget Reconciliation Act. It requires that continuation of group health, vision, dental and/or Medical Spending Account coverage* be offered to you and/or your covered spouse and/or children if you are no longer eligible for coverage due to a qualifying event. Qualifying events include:


  • The covered employee’s working hours are reduced from full-time to part-time
  • The covered employee voluntarily quits work, retires, is laid off or is fired (unless the firing is due to gross misconduct)
  • A covered spouse loses eligibility due to a legal separation or divorce
  • A child no longer qualifies for coverage.


If you are a variable-hour or seasonal employee, you are not eligible for a Medical Spending Account and may not enroll in one under COBRA. The other rules discussed in this section apply to you and/or to your covered dependents. For more information, contact your employer.


*Please note: Individuals eligible for continued coverage under COBRA may continue to participate in a Health Savings Account, as long as they remain covered by the Savings Plan and meet other eligibility requirements.


For more information about COBRA, please review the following topics in the General Section of the Insurance Benefits Guide:


  • When continued coverage will not be offered
  • How to continue coverage under COBRA
  • How continued coverage under COBRA may end
  • How Medicare affects continued coverage under COBRA
  • When benefits provided under COBRA run out
  • Extending continued coverage
  • Other coverage options (Health Insurance Marketplace)

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S.C. Code of Laws

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