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| 11 month COBRA extension denied |
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Q: My COBRA coverage ends in January,2008. My Medicare coverage begins in October 2008. I am collecting Social Security disability. I requested the 11 month COBRA extension, but was denied because my award letter from Social Security was dated July 27,2006 and was not 60 days before or after my COBRA coverage began. Is there anything I can do?
A: In compliance with the COBRA law, it is possible to extend the 18 months of coverage to 29 months, if and individual has been determined disabled at the time of a qualifying event. HIPAA has modified the plan by allowing the 11 month extension to consist of those disabilities that may happen before or during that first 60 days of your COBRA coverage. The HIPAA law also states that not only the individual that is disabled can use the extension; all qualified beneficiaries may continue the COBRA coverage. You also need to contact the plan administrator before the end of the 18 month period. You must also notify the administrator no later than 30 days after the individual is no longer qualified as disabled by the law.
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