Length of Continuation Coverage
In the case of termination of employment or reduction of work hours, coverage can be continued for a maximum of 18 months from the date of the qualifying event. In the case of all other qualifying events, coverage can be continued for a maximum of 36 months from the date of the qualifying event.
If a person buying COBRA is determined to be disabled by the Social Security Administration (“SSA”) and the disability existed within the first 60 days of COBRA coverage, while the disability continues an additional 11 months of coverage will be provided to the individual and his or her Dependents receiving COBRA coverage up to a maximum of 29 months. This extension applies only when Plan coverage is lost due to termination of employment or reduction of hours. To get this extension, you or your Dependent must notify the Administrator within 60 days after the later of: (a) the date of the disability determination from SSA; (b) the date on which the qualifying event occurred; or (c) the date on which Plan coverage would be lost as a result of the qualifying event.
EXTENSION RIGHTS WILL PERMANENTLY LAPSE IF YOU OR YOUR DEPENDENT DO NOT PROVIDE TIMELY NOTICE.
In addition, if the SSA determines that the disability has ended, then you or the family members receiving COBRA coverage must notify the Administrator that the disability has ended. This notice normally must be provided within 30 days after the final determination by the SSA that the disability has ended.
The Plan charges 150% of normal COBRA premiums for this special disability COBRA coverage in months 19 through 29.
If a second qualifying event occurs within the applicable 18 or 29-month period, the period to continue plan coverage under COBRA may be extended for up to 36 months from the first qualifying event for your covered Dependent. This extended coverage period is available when one of the following qualifying events occurs: (1) your death; (2) your divorce or legal separation from your Spouse or dissolution or other legal termination of your Domestic Partnership; or (3) your child ceases to qualify as an eligible Dependent. To be eligible for this additional coverage, you or your Dependent must notify the Administrator within 60 days of the second qualifying event and before the applicable 18 or 29-month period of continued coverage ends.
IF YOU OR YOUR DEPENDENT DO NOT PROVIDE TIMELY NOTICE, THE EXTRA PERIOD OF COBRA COVERAGE WILL NOT BE AVAILABLE.