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If offered, should you elect the COBRA continuation coverage option? If you or your family has major health issues, then yes. These conditions include the death of the employee, termination (fired, or laid off through no fault of the employee), a reduction in work hours except if due to gross employee misconduct, a spouse's divorce or legal separation from the covered employee, a covered employee being eligible for Medicare, or a child that loses his dependent status under the plan. New Hampshire Insurance Benefits Continue to protect yourself, and your family until you find a new employer, or new insurance. New Hampshire Insurance Benefits Disability insurance generally falls into one of two categories: short term disability and long tern disability. Slough, there are certain qualifying conditions, this will most likely be a good option if you are not a healthy individual.