Under COBRA, how long does coverage typically extend after a qualifying event?

Under COBRA, how long does coverage typically extend after a qualifying event?

• A. 12 months
• B. 24 months
• C. 36 months
• D. 18 months

Answer: (D)

The standard continuation period under COBRA after a qualifying event is 18 months. This gives the covered person a bridge period to maintain health coverage while seeking other options, as long as they elect COBRA and pay the premiums. There are extensions in certain circumstances: if a disability determination is made for the beneficiary within the initial period, coverage can extend to 29 months; and for specific events (such as death of the employee, divorce, or loss of dependent status), a spouse or dependent child may be able to extend coverage to 36 months. But in typical scenarios, 18 months is the duration used.

The standard continuation period under COBRA after a qualifying event is 18 months. This gives the covered person a bridge period to maintain health coverage while seeking other options, as long as they elect COBRA and pay the premiums. There are extensions in certain circumstances: if a disability determination is made for the beneficiary within the initial period, coverage can extend to 29 months; and for specific events (such as death of the employee, divorce, or loss of dependent status), a spouse or dependent child may be able to extend coverage to 36 months. But in typical scenarios, 18 months is the duration used.