Q: I've been on Cobra since Nov.1st 2006. Recently, I've been diagnosed with Brain & Lung Cancer. I sent my paperwork to Social Security for help. Can I extend my coverage passed the 18 Months? I don't know what to do. My cobra ends in May 2007.
A:The HIPPA law states that all qualified beneficiaries, not just the disabled person, have the right to continue with COBRA coverage and take advantage of the 11 month extension. In compliance with the COBRA law, it is possible to extend the 18 months of coverage to a 29 months, if and individual has been determined disabled at the time of a qualifying event. HIPPA 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. You will need to contact theplan 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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