Talk to Us
Talk to Us

Consult an Agent

  • Why?
  • (please click only once)

  • * = required

Save Print

Am I still covered under my deceased spouse’s health insurance plan?

You may be eligible for COBRA coverage

Thanks to the 1985 Consolidated Omnibus Budget Reconciliation Act (COBRA), you may still have coverage. If your spouse worked for a company that has a health plan covering 20 or more employees, the plan must continue to offer you and any dependents coverage for at least 18 months. Coverage can be stretched up to three years if you have dependent children.

Contact your spouse’s employer to understand your health insurance coverage options. If your spouse received health insurance through their employer, and was employed at the time of death, by law you are eligible for COBRA coverage.

Source: 2009 Medical and Health Expenses - IRS -

Neither New York Life Insurance Company nor its agents offer personal legal advice. Please contact your legal advisor to find out how the general information in this article may or may not apply to your personal circumstances.


We want to make sure you receive a response to any service or policy-related questions as quickly as possible. To help us help you, please do not use the comment field below to submit these types of questions. Instead, please click here to access the Virtual Service Center and ask your question.


All comments are moderated by New York Life and will not appear on this story until after they have been reviewed and deemed appropriate for posting. Opinions expressed in posts are those of the respective authors and do not represent the official position of New York Life.