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Home :: FAQ :: Cobra Coverage

How long will continuation coverage last?

In the case of a loss of coverage due to end of employment or reduction in hours or employment, coverage generally may be continued up to a total of 18 months. In the case of loss of coverage due to an employee’s death, divorce or legal separation, the employee’s Medicare entitlement, or a dependent child ceasing to be a dependent under the terms of the plan, coverage may be continued up to a total of 36 months. When the qualifying event is the end of employment or reduction of the employee’s hours of employment, and the employee became entitled to Medicare benefits less than 18 months before the qualifying even, COBRA continuation coverage for qualified beneficiaries other than the employee lasts until 36 months after the date of Medicare entitlement. This notice shows the maximum period of continuation coverage available to the qualified beneficiaries.