What is the standard COBRA duration of coverage?

What is the standard COBRA duration of coverage?

• A. 12 months.
• B. 18 months.
• C. 24 months.
• D. 36 months.

Answer: (B)

When you lose your job or experience another qualifying event, COBRA lets you continue your employer-sponsored health coverage for a limited period so you don’t have an abrupt gap in protection. The standard duration of that continuation is one year and a half. This baseline period gives you time to arrange other coverage while keeping the same plan benefits. There are a few ways the period can extend in special situations: if a disability is verified, the continuation can last longer, and for some other qualifying events, the total can reach up to nearly three years. The exact extension depends on the specific circumstances and the plan’s rules.

When you lose your job or experience another qualifying event, COBRA lets you continue your employer-sponsored health coverage for a limited period so you don’t have an abrupt gap in protection. The standard duration of that continuation is one year and a half. This baseline period gives you time to arrange other coverage while keeping the same plan benefits.

There are a few ways the period can extend in special situations: if a disability is verified, the continuation can last longer, and for some other qualifying events, the total can reach up to nearly three years. The exact extension depends on the specific circumstances and the plan’s rules.