COBRA — Longer Periods 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:
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.