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| My employer paid for my COBRA, can I get an extension on COBRA? |
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Q: My employment status changed from employee to contractor when I moved out of state. My employer put me on COBRA and agreed to continue to pay for my insurance as part of the contract. My 18 months is almost up, can COBRA be continued after the initial 18-month period?
A: An employee can remain on COBRA for a maximum of 18 months regardless of who paid the COBRA premiums. However, there are some circumstances that will allow you to extend your COBRA coverage and they are:
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
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