Which extension option is described for COBRA beyond the initial 18 months?

Which extension option is described for COBRA beyond the initial 18 months?

• A. An additional 6 months for disability.
• B. 11 additional months for disability.
• C. 36 additional months for retirement.
• D. No extensions are permitted.

Answer: (B)

COBRA can go beyond the initial 18 months if the beneficiary is determined to be disabled. In that case, an additional 11 months of coverage are available, bringing the total to up to 29 months. This extension applies when the disability is determined by the Social Security Administration within the relevant early period of COBRA coverage. The other options don’t fit: six months doesn’t align with the disability extension, thirty-six months isn’t the disability rule, and claiming no extensions would ignore the disability provision. The 11-month disability extension is the correct mechanism for extending COBRA beyond 18 months for someone who is disabled.

COBRA can go beyond the initial 18 months if the beneficiary is determined to be disabled. In that case, an additional 11 months of coverage are available, bringing the total to up to 29 months. This extension applies when the disability is determined by the Social Security Administration within the relevant early period of COBRA coverage. The other options don’t fit: six months doesn’t align with the disability extension, thirty-six months isn’t the disability rule, and claiming no extensions would ignore the disability provision. The 11-month disability extension is the correct mechanism for extending COBRA beyond 18 months for someone who is disabled.