I recently found out by accident that you are supposed to notify the COBRA Administrator of an SSDI award within 60 days and now they are telling me that my COBRA will end at the end of 18 months. Is this true or can it continue for 29 months?
That is correct. The law places the responsibility on you to notify your administrator. If you failed to do so in the allotted time frame (60 days), then it is up to your administrator if they extend your time on COBRA. The law does not require them to allow you to continue on their group plan.
If you are fairly healthy and still want to remain insured, more affordable insurance alternatives to COBRA may be available based on where you live. Term health insurance is a popular option and available in most States. This can protect you from high medical costs of new injuries or new illnesses that unexpectedly occur while allowing you to use any licensed doctor. Coverage is available up to $1 million per person. For more information and pricing, you can call us at 1-877-262-7241 or complete a free quote online.