Pre-Ex is not waived for voluntary termination of an employer group plan.

Voluntary termination includes the following:

Lapsing for non-payment

Failure to elect or renew coverage

Early termination/lapse of COBRA

Failure to elect COBRA, when available as an option

Termination of the plan by request

Failure to elect, maintain, or renew a retiree policy

Involuntary termination includes the following:

Retirement

Resignation from employment

Termination of employment by the employer

Change in eligibility due to reduction in work hours

Employee called to active duty

Spouse and/or child losing coverage due to employee becoming eligible for Medicare, or due to divorce, legal separation, or death of the employee

Child losing coverage due to loss of dependent status