Can COBRA go past 18 months?

If you are entitled to an 18 month maximum period of continuation coverage, you may become eligible for an extension of the maximum time period in two circumstances. The first is when a qualified beneficiary is disabled; the second is when a second qualifying event occurs.

How long do you have to decide on COBRA?

60 days
Q8: How long do I have to elect COBRA coverage? If you are entitled to elect COBRA coverage, you must be given an election period of at least 60 days (starting on the later of the date you are furnished the election notice or the date you would lose coverage) to choose whether or not to elect continuation coverage.

When does Cobra coverage for spouse and dependents end?

When the qualifying event is the end of employment or reduction of the employee’s hours, and the employee became entitled to Medicare less than 18 months before the qualifying event, COBRA coverage for the employee’s spouse and dependents can last until 36 months after the date the employee becomes entitled to Medicare.

How long will Cobra last?

The duration of COBRA benefits depends on the qualifying event. If the qualifying event is the employee’s quitting, termination, or reduction in hours, COBRA benefits last for 18 months.

How long do COBRA benefits last after qualifying event?

Employees, and their spouses and dependents, can continue their group health insurance coverage for 18 to 36 months after a qualifying event. Need Professional Help? Talk to an Employment Attorney.

What happens to your Cobra plan if you get laid off?

Under the federal Consolidated Omnibus Budget Reconciliation Act (COBRA), employees — and their spouses and dependents — can continue their group health insurance coverage after an occurrence that would otherwise terminate coverage, such as the employee getting laid off or the employee’s spouse getting divorced.

When does Cobra end for a spouse or dependent?

If the qualifying event is the death of the covered employee, divorce or legal separation of the covered employee from the covered employee’s spouse, or the covered employee becoming entitled to Medicare, COBRA for the spouse or dependent child lasts for 36 months. Q8: How is COBRA affected if I am disabled?

The duration of COBRA benefits depends on the qualifying event. If the qualifying event is the employee’s quitting, termination, or reduction in hours, COBRA benefits last for 18 months.

When do you get a notice that your Cobra coverage is ending?

The notice will tell you your coverage is ending and offer you the right to elect COBRA continuation coverage. COBRA coverage generally is offered for 18 months (36 months in some cases).

How long does Cobra last after an employee becomes disabled?

This means that the original coverage period may be extended (or affected) due to an additional event which occurred in relation to when COBRA was initially offered. The original COBRA term can be extended up to 11 months if the covered employee becomes disabled in the first 60 days of COBRA continuation coverage.