When an employee's coverage terminates under a group health policy, how long must they be offered continuation coverage?

Under federal law, specifically the Consolidated Omnibus Budget Reconciliation Act (COBRA), employers are mandated to offer continuation coverage to employees after their group health coverage ends. This requirement states that employees and their dependents must be given the option to continue their health benefits for a maximum duration of 18 months following employment termination, reduction in hours, or other qualifying events.

The 18-month continuation period allows individuals to maintain their health insurance, providing them with time to find new employment or make other arrangements for healthcare coverage. This regulation is essential for ensuring that employees do not experience an immediate gap in health coverage during times of transition.

Other options such as 180 days, 60 days, or 365 days do not align with the provisions set forth under COBRA regarding the duration of continuation coverage, making the 18-month period the most accurate and legally supported answer. This is particularly relevant in states like Colorado, which follow federal guidelines for continuation coverage.