Content Overview 
- Summary
- What COBRA Is
- Who Is Protected Under COBRA?
- The Date COBRA Coverage Starts
- The Date COBRA Coverage Ends
- What To Do Before COBRA Terminates
- " Qualifying Events" Under COBRA
- Which Employers Are Covered By COBRA?
- What Insurance Is Covered Under COBRA?
- Paying For COBRA
- How To Apply For COBRA If You Stop Working
- How To Apply For COBRA Due To Divorce
- How To Apply For COBRA Due To A Child Coming Of Age
- Six Steps To Take While You Are On COBRA
- How To Extend COBRA Coverage Because Of A "Disability"
- Should I Elect COBRA?
- What To Do If You Miss COBRA Deadlines
- Events Which Can Terminate COBRA
- How To Enforce Your Rights Under COBRA
COBRA 101
What COBRA Is
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COBRA is short for the Consolidated Omnibus Budget Reconciliation Act which was passed by Congress in 1986. COBRA was amended by a bill known as OBRA which extended the basic coverage for an additional period of time for employees who stop work because of disability. As a general matter, the two laws together are known as COBRA.
To confuse matters even further, state laws which accomplish the same thing as COBRA for employers not covered by COBRA are also referred to as COBRA.
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