Q:I am retiring at age 63 and will go on Cobra until Medicare at age 65. I will need 21 months of coverage. My company is telling me they can put me on Cobra for the 21 months but everything I read says 18 months is all that I can do. Can the company authorize 21 months of Cobra?
A:COBRA is a federal law that gives an employee the right to continue their employer’s group health plan for up to 18 months when a qualifying event occurs. Your employer could be referring to a Mini-COBRA which is a state specific continuation plan that might allow you to have COBRA longer than 18 months.Eligibility requirements and rules can vary by state. To find out if your state offers a mini-COBRA you can go www.naic.org .
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