COBRA: Extensions

Qualified beneficiaries may become eligible for an extension of the maximum time period under two circumstances.

Circumstance 1:  Disability – If a qualified beneficiary in your family becomes disabled and meets certain criteria, all of the qualified beneficiaries receiving continuation coverage due to a single qualifying event are entitled to an 11 month extension (possible max = 29 months).  Premiums through the duration of the extension can be raised to a maximum of 150% of the cost of coverage.  Please notify 24HourFlex as soon as possible if you have been deemed disabled by the SSA.  Qualified beneficiaries receiving the disability extension, must notify 24HourFlex if the SSA determines the individual to be no longer disabled.

Requirements for Receiving the Disability Extension Include:

  • Deemed disabled by the Social Security Administration
  • Disability began prior to the end of the first 60 days of continuation coverage (If you are deemed disabled before making your COBRA election, you have 60 days from the plan start to notify 24HourFlex)
  • Disability reported within 60 days of the latter of:
    • Determination letter
    • Qualifying event date
    • Loss of coverage date
    • Date QB is notified
  • Disability reported before the end of 18-month maximum coverage period (You can not notify for the extension after your 18-month continuation has concluded)

Circumstance 2:  Second Qualifying Event – Contingent upon a second qualifying event, a qualified beneficiary may become entitled to an 18-month extension (possible max = 36 months).  Second qualifying events include death of the employee, divorce or legal separation, employee’s Medicare entitlement, or dependent child ceasing to be a dependent.  Please notify 24HourFlex in the case of a second qualifying event.


Other Helpful Topics:  What is COBRA?,  COBRA Timeline, COBRA: Login and Make ElectionMaking Your Monthly Premium Payments, COBRA: Portal Overview, COBRA: Qualifying Events, COBRA: Terminating Events, COBRA: Extensions,  COBRA: Open Enrollment Guide