Extending COBRA continuation coverage for 18 months

What does it mean to extend COBRA coverage for 18 months?

Extending a period of continuation coverage for 18 months If you are entitled to a maximum of 18 months of continuation coverage, you may become eligible for an extension of the maximum period under two circumstances. The first is when a qualified beneficiary (either you or a family member) becomes incapacitated; the second is when a second qualifying event occurs.

 

What happens if you are disabled on COBRA?

If any of the qualified family beneficiary becomes disabled and meets certain requirements, all qualified beneficiaries who are receiving COBRA continuation coverage due to a single qualifying event are entitled to a 11-month extension of the maximum period of continuation coverage (for a maximum total period of 29 months of continuation coverage). The plan can charge qualified beneficiaries an increased premium of up to 150 percent of the cost of coverage during the 11-month extension disabled.

The requirements are, first, that the Social Security Administration (SSA) determine sometime before the sixteenth day (60) continuation coverage, the qualified beneficiary is a disabled person, and second, that the disability continues for the remainder of the initial 18-month period of continuation coverage.

 

COBRA Disabled Qualified Beneficiary

The disabled qualified beneficiary or other person representing you shall also notify the plan on the determination of the SSA. The plan can set a time limit for providing this notice about the disabled, but this deadline may not be less than 60 days beginning: (1) the day the issue SSA disability determination; (2) the day on which the qualifying event occurs; (3) the date on which the qualified beneficiary loses (or would lose) coverage under the plan as a result of the qualifying event; or (4) the date on which it is informed to the qualified beneficiary, through the provision of an SPD or a COBRA general notice on the responsibility to notify the plan and procedures for doing so.

You can cancel the right to disability extension if the SSA determines that the disabled qualified beneficiary is no longer disabled status. The plan may require qualified beneficiaries receiving the disability extension advised if the SSA makes such a determination, but the plan must give the qualified at least 30 days after the determination of the SSA to make beneficiaries.

The rules for how to give notice notification disabled and not disabled should be more detailed in the plan’s SPD (and in the election notice if offered a maximum of 18 months of continuation coverage).

 

Second qualifying event for COBRA

If you are receiving a maximum period of 18 months of COBRA continuation coverage may be entitled to an extension of 18 months (giving a maximum total period 36 months of continuation coverage) after experiencing a second event I qualifier that was the death of a covered employee, divorce or legal separation of a covered employee and spouse, eligibility for a covered for Medicare benefits or loss of classifying a child as a dependent employee under the plan. The second event can be a second qualifying event only if he caused you to lose coverage under the plan in the absence of the first qualifying event. If a second qualifying event occurs, you need to notify the plan.

Qualifying Event for COBRA

The rules on how to provide notice of a second qualifying event should be described in the plan’s SPD (and in the election notice if you were offered a maximum of 18 months of continuation coverage). The plan can set a limit to provide this notice time, but the time limit can not be less than 60 days, starting with whichever occurs later: the date on which the qualifying event occurs (1); (2) the date you lose (or lose) coverage under the plan as a result of the qualifying event; or (3) the date on which it is informed, through the provision of an SPD or a COBRA general notice on the responsibility to notify the plan and procedures for doing so.