Question of the Week - Extension of 18-Month COBRA Period

Q: Can a former employee get more than 18 months of COBRA coverage?

A: In certain cases, COBRA continuation coverage can be extended beyond the standard 18-month period. Extensions are allowed under specific circumstances:

• Disability Extension: If the qualified beneficiary is determined by the Social Security Administration (SSA) to be disabled within the first 60 days of COBRA coverage, all covered individuals in the family may be eligible for an extension to 29 months. The plan must be notified within 60 days of the SSA determination and before the original 18-month period ends.
• Second Qualifying Event: If another qualifying event occurs during the initial 18-month COBRA period, such as death of the covered employee, divorce, or a dependent child losing eligibility, coverage for the dependent may be extended to a maximum of 36 months from the original qualifying event date.

It’s important the continuant follows the notice and timing requirements closely to preserve these rights.

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This article is for informational purposes only and is not intended as legal, tax, or benefits advice. Readers should not rely on this information for taking (or not taking) any action relating to employment, compliance, or benefits. Always consult with a qualified professional before making decisions based on this content.