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Q: I have read that there is an 11 month extension for COBRA available. I have applied for Social Security Disability, shortly after I was disabled through my place of employment. I am currently awaiting a court date for the appeal hearing. This process so far has taken more than 18 months. Is it possible to receive the COBRA extension when the Social Security Disability process takes longer than 18 months and how can that be accomplished?
A: COBRA law has specific requirements about the extension due to a disability. The Social Security Administration must deem you disabled before or during the first 60 days of COBRA continuation. The disability must continue during the rest of the initial 18 months. The previous employer’s plan can set the time limit that you have to provide the “notice of disability” However; this time limit can not be less than 60 days and it must start from the date the Social Security Administration determined the disability or the date when the qualifying event or the date from when you received the COBRA notice which ever is later. These requirements need to be met prior to the end of the initial 18 months. You may want to contact your state's department of insurance at www.naic.org. to see if they have a policy available.
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