ody Q: Is there any reason why a factory would deny COBRA coverage for the spouse of a person that is retiring. He is simply retiring after 45 years at the same place. My mother is 60 and his human resources keep telling her she only qualifies for 18 months, but the COBRA booklet clearly states that in the case of retirement the spouse can qualify for up to 36 months. Why are they telling her she can only get 18 months. I printed off the booklet and took it to them so they could see the proof. They just looked at me and said they’d never heard of it being extended up to 36 months. Your answer will be much appreciated. Thank you.