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Q: My cobra will expire at the end of December 2007. I am working, but am still not eligible for insurance where I work. I have been there a year. I need to know what to do to continue cobra for another 6 months. At that time I hope to be a full time employee at my present job. I took cobra when I left my previous job not realizing it could take this long to go full time. What can I do?
A: There are only a few ways that a person would be able to extend their COBRA coverage.
1. If you are deemed legally disabled before or within the first 60 days of COBRA coverage, you are eligible for an additional 11 months. The total coverage time would be up to 29 months.
2. If at any time during the continuation coverage have encountered another qualifying event.
Generally, multiple qualifying events are subject to the spouse and/or dependents. Here is a list of events:
--Death of covered employee
--Employee's entitlement to Medicare
--Divorce or legal separation from covered employee
--Loss of dependent child status
If you are interested in an Alternative to COBRA, Click Here for more information.
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