Guard Dunham: [after breaking off a long run, storms up to Megget] That's how a white man runs the football! Earl Megget: Man, you lucky I ain't on defense. I'd crack you in that egg-ass head of yours! Guard Dunham: Yeah, but you ain't on defense.
COBRA coverage must be allowed by group insurers covering 20 or more employees. The coverage is available if you are voluntarily or involuntarily terminated for any reason other than gross misconduct. It can also apply if you face a substantial loss of hours.
Thus, if active employees may elect coverage under these plans separately, then the COBRA beneficiary also may elect COBRA continuation separately for each of these options. However, if employees only can take these plans as a single package, then the COBRA beneficiary can continue only the entire package. And, at open enrollment or HIPAA special enrollment, the COBRA beneficiary may change coverage elections, just as active employees may do. Source: Spencers Benefits Reports.