Under federal law, a spouse who loses coverage due to divorce may elect COBRA continuation coverage for up to 36 months from the date of the qualifying event. COBRA generally applies when the spouse's employer offers a group plan and has at least 20 employees. You must notify the plan administrator within 60 days of the divorce and then elect coverage within 60 days of receiving the COBRA election notice (DOL). Dependent children may also have other coverage rights, including staying on a parent's insurance until age 26 if otherwise eligible under the plan.