Which law gives workers who lose health insurance the right to continue group health benefits for limited periods under certain circumstances?

• A. Collective Bargaining Agreement
• B. Cobra
• C. Communication
• D. Compensation

Answer: (B)

This asks about a federal rule that lets employees keep their employer‑sponsored health benefits for a limited time after they lose coverage or experience a qualifying event. This rule is COBRA, the Consolidated Omnibus Budget Reconciliation Act. It requires employers with group health plans to offer a temporary continuation of those benefits to former employees, their spouses, and dependent children when coverage would otherwise end due to job loss, reduced hours, death, divorce, loss of dependent status, Medicare eligibility, or similar events. Those who elect COBRA generally pay the full premium plus a small administrative fee. The typical continuation lasts up to 18 months, and in certain qualifying situations it can extend to 36 months. This is the correct concept because it directly addresses continuing health coverage after leaving a job. The other options don’t establish a statutory right to continued health benefits.