Q:I have an 18-month limit on COBRA coverage. Has there been any new legislation that would allow me to extend it another 18 months till I could qualify for Medicaid? If not, do you have any suggestions for a good strategy?
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
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