My wife had an Accounting practice and I was her only employee. She just died. Can I keep the group plan? Do I get COBRA? What if we have individual, not group, coverage and she was the insured while I was the dependent?

If you were the only employee covered on your now deceased group policy, some carriers will allow you to keep the plan until either the next annual review or until the carrier finds a “one person plan” in a random audit. Some will require a group to hire a new employee within 90 days or else terminate the group.

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