Department of Labor and Regulation

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COBRA — Longer Priods of COBRA Continuation

Disability can extend the 18 month period of continuation coverage for a qualifying event that is a termination of employment or reduction of hours. To qualify for additional months of COBRA continuation coverage, the qualified beneficiary must:

  1. Have a ruling from the Social Security Administration that he or she became disabled within the first 60 days of COBRA continuation coverage.
  2. Send the plan a copy of the Social Security ruling letter within 60 days of receipt, but prior to expiration of the 18-month period of coverage.

If these requirements are met, the entire family qualifies for an additional 11 months of COBRA continuation coverage. Plans can charge 150% of the premium cost for the extended period of coverage.

A second qualifying event may also extend COBRA continuation coverage to 18 months giving a total of 36 months of continuation coverage. If a second qualifying event does occur, you will need to notify the plan. A description of the notification process should be described in your plan document.

Back to COBRA frequently asked questions


Division of Insurance
124 S. Euclid Ave., 2nd Floor
Pierre, SD 57501
Tel. 605.773.3563
Fax. 605.773.5369