What event can trigger a beneficiary's eligibility for an 11-month COBRA extension?

The eligibility for an 11-month COBRA extension is specifically tied to qualifying life events that can affect an individual's health insurance coverage. The correct choice highlights that life-changing events— such as the death of the covered employee, divorce, legal separation, or a dependent child ceasing to be a dependent under the plan—can trigger eligibility for this extension.

In the context of COBRA, these significant life changes impact the beneficiary's status and access to health coverage. The law recognizes that when individuals experience these major transitions, they may require additional time and coverage to navigate these changes, which is why an 11-month extension is provided to help maintain their health insurance benefits during a potentially vulnerable time.

Other options listed do not directly pertain to the eligibility criteria for an 11-month COBRA extension: permanent employment loss generally triggers standard COBRA coverage but does not extend the duration, a change of address does not affect coverage status, and while marriage can impact insurance options, it does not relate to extending COBRA eligibility for an additional 11 months in this context.