Can I extend COBRA?

Can I extend COBRA?

Can I extend COBRA?

Yes, under certain, limited conditions. If you become disabled within the first 60 days of COBRA coverage you can extend your coverage for an additional 11 months, for a total of 29 months. You must obtain a ruling from the Social Security administration and submit the Social Security Award Letter to the plan within 60 days (from the date of the letter) and this must happen before your normal continuation period (18 months) expires. Be aware that you may have to pay up to 150% of your normal premium cost to exercise this right under the law.

Also, if a spouse and/or dependent child experience a second qualifying event they can extend coverage for an additional 18 months. Second qualifying events would be: the death of a covered employee; divorce or legal separation from a covered employee; a covered employee becoming entitled to Medicare; the loss of dependent child status under the former employer's group health plan. Know that this second qualifying event only works if it would have caused your spouse or child to lose coverage. If a second qualifying event happens, you (or they) will need to notify the plan.