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.

Affordable Temporary Health Insurance

If you are fairly healthy and still want to remain insured, alternatives to COBRA insurance may be available based on where you live. Short-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.

Related Knowledge Base Posts

Are You Eligible For COBRA?

Take Our Survey