COBRA Insurance

Can A Medicare Eligible, Disabled Dependent Elect COBRA?

My wife is permanently disabled and eligible for Medicare, but declined Medicare in favor of my group health insurance. I’ve been laid off and have to go on COBRA. Can my wife go on COBRA with me or must she take Medicare?

As long as your wife is not receiving an income or benefits from Social Security or Medicare she can qualify for COBRA continuation. However, if she becomes entitled to Medicare by receiving their benefits then she will no longer be eligible for COBRA. Often times with a disability, the COBRA can be extended an additional 19 months.

Spouses and Dependents Can Get 36 Months Of COBRA

In other instances where a qualifying event happens, family members may choose COBRA for up to 36 months. If there is a separation, annulment or divorce the former spouse, domestic partner or dependent on the employer-sponsored insurance may continue using it. If a child turns 26 and no longer has dependent status, they are also eligible to stay on COBRA for up to 36 months.

COBRA Continuation Is Expensive

There are alternatives to COBRA continuation available. Get an affordable insurance quote or call us at 877-262-7241 and we can help you find an ACA certified health plan.

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