State RegulationsCO specificDifficulty 2/5
An employee in Denver was covered under the employer's group health plan continuously for 8 months before employment ended. Under C.R.S. § 10-16-108(1), continuation coverage must be offered for:
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
C.R.S. § 10-16-108(1) requires Colorado group carriers to offer terminated employees and their dependents continuation coverage for 18 MONTHS after loss of coverage, or until they become eligible for other group coverage, whichever occurs first. The employee must have been continuously covered for at least 6 MONTHS immediately before termination, which this 8-month employee satisfies. Producers should keep this state continuation separate from the reduced-hours mechanism in § 10-16-108(2).
Why the other options are wrong
- A) 6 months is the continuous-coverage prerequisite the employee must meet, not the maximum continuation period.
- C) 24 months overstates the state continuation maximum; the statutory period under § 10-16-108(1) is 18 months.
- D) 12 months understates the statutory period; Colorado requires the offer to extend to 18 months absent other group eligibility.
Memory hook
Coverage 6 months in, continuation 18 months out.