Q: Is the 18 month maximum determined by actual months- January, February, March, etc… until the end day of the 18th month ? or is the 18 month maximum determined by how many days are in the 18 month period?
A: It will depend on when your COBRA Administrator ends your coverage. COBRA is measured in months, not days. But depending on your date of the loss of coverage, it could be on a certain day, or at the end of the month. You will need to talk to your COBRA Administrator to find out specific to your situation.