Will I Be Able To Extend COBRA Past 18 Months?
My job terminated and I applied for COBRA as soon as I became eligible based on the termination event. My understanding is that my COBRA coverage is available for 18 months. My question: Is it possible to apply for an extension of this insurance group coverage through COBRA for any additional time, such as an additional 6, 12, or 18 months?
Here are other ways that a person would be able to extend their COBRA coverage:
- In the event that you become disabled, you are eligible for an additional 11 months. The total coverage time would be up to 29 months. You must be determined by the Social Security Administration to be disabled to qualify for this extension.
- If at any time during the continuation coverage you encountered another qualifying event. Generally, multiple qualifying events are subject to the spouse and/or dependents. Here is a list of events:
- Death of covered employee
- Employee’s entitlement to Medicare
- Divorce or legal separation from the covered employee
- Loss of dependent child status
Are You Paying A Lot For COBRA?
When you elect COBRA insurance to stay on your work health plan, you pay your portion and the subsidy your employer had paid. If a third-party administrator coordinates the enrollment and billing they may add a 2% fee on top. In other words, you pay the whole premium and then some.
QUICK CHECK
COBRA Eligibility
Was this answer helpful?
COBRAinsurance.com
HealthCare.gov – 2022 Elite Plus Circle Of Champions
We are an insurance company that provides information on the COBRA law and alternative temporary insurance options if continuation is unavailable or too expensive.
Remain Insured
Accident Only plans start at $44/mo
Short-Term Medical low as $80/mo
Call us
877-262-7241
Get A Quote, Enroll Online
View Plans
