1. Under Oklahoma's state continuation law (for groups not subject to COBRA), a terminated employee must be offered continuation of group health coverage for at least:

63 days

36 O.S. 4509(B) requires continuation for at least sixty-three days after termination (other than for gross misconduct or termination of the plan); COBRA-covered terminations are excluded.

2. Under 36 O.S. 4509, the carrier must tell a terminated employee about the continuation option within 30 days of notice from the plan sponsor, and the employee must elect it in writing by:

The 31st day after that notification

36 O.S. 4509(B) requires the terminated employee to request continuation in writing not later than the thirty-first day after being notified of the option.

3. An Oklahoma group medical plan terminates while a covered employee (insured 6+ months) is totally disabled. Major medical benefits for that continuous loss must extend for at least:

Six months

36 O.S. 4509(C) requires an extension of benefits for a continuous loss for the maximum benefits or at least three months for basic coverage and six months for major medical coverage.

4. Under 36 O.S. 4502.1, an Oklahoma group health policy that allows employees to convert must also give a covered spouse a conversion privilege upon:

The insured's death or the couple's divorce

36 O.S. 4502.1(A) extends conversion to the covered spouse on the insured's death, divorce, or termination of employment or membership for any reason including retirement.