Jan 12, 2006
Was the Cobra insurance extended to a 36 month period in 2005 in Missouri, and are there any qualifiers to get this extension?
Response from Ms. Franzoi
COBRA is a federal law so it doesn't vary by state. COBRA provides for 18 months of continuation of coverage if you lose coverage due to a qualifying event (termination of employment or reduction in hours). In addition, coverage can be available for up to 36 months in certain circumstances such as death, divorce, legal separation, a child no longer is an eligible dependent as defined in the plan, or you become eligible for Medicare (for dependents who lose coverage due to your eligiblity for Medicare). If an individual has COBRA coverage and becomes disabled within the first 60 days of COBRA coverage, that individual can get an 11-month extension for coverage for up to 29 months - the first 18 months at 102% of the cost and the last 11 months at 150%.
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