§1165 Election

Summary

Allows people to choose to keep their health coverage after a qualifying event. The election period must start no later than the day coverage ends because of that event, last at least 60 days, and cannot end before 60 days after the later of the coverage end date or the date a person received required notice. If one qualified beneficiary elects continuation, that choice is treated as including other family members who would lose coverage unless the election says otherwise. If the plan has different types of coverage, each qualified beneficiary can pick their own type. If a person becomes TAA-eligible and did not elect coverage during the usual TAA election period, they may still elect continuation during a 60-day window that begins on the first day of the month they become TAA-eligible, but only if they make that election no later than 6 months after the TAA-related loss of coverage. Coverage starts at the beginning of that 60-day window and does not cover time before it. Definitions: nonelecting TAA-eligible individual (lost coverage and did not elect), TAA-eligible individual (an eligible TAA recipient or eligible alternative TAA recipient), TAA-related election period (the 60-day period tied to the loss), and TAA-related loss of coverage (loss of health benefits because of the job separation).