I am the employer requesting information to provide to the subscriber. Subscriber exhaused Cobra coverage and he was denied coverage while in the process of applying for new coverage. I was just informed by insurance carrier that once the Cobra is exhausted, he would not be elligible for continuation.
A: The maximum amount of time an employee can continue on COBRA is 18 months. However, a spouse or dependent of the employee may be able to obtain another 18 months for a total of 36 months if a second qualifying event should occur. If the employee becomes disabled he maybe able continue for an additional 11 months for a total of 29 months. The employee must be determined by the Social Security Administration to be disabled to qualify for this extension. The disability must have occurred before or during that first 60 days of your COBRA coverage.
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