A qualified beneficiary is an individual covered by a group health plan on the day before a
qualifying event who is either an employee, the employee's spouse, or an employee's dependent child.
In certain cases, a retired employee, the retired employee's spouse, and the retired employee's
dependent children may be qualified beneficiaries. In addition, any child born to or placed for adoption
with a covered employee during the period of COBRA coverage is considered a qualified beneficiary.
Agents, independent contractors, and directors who participate in the group health plan may also be