Can I extend my COBRA coverage?
Yes. You can extend COBRA for yourself and your family if you become disabled within the first 60 days of COBRA continuation coverage. To extend COBRA coverage, you must:
- Obtain a ruling from the Social Security Administration that you became disabled within the first 60 days of COBRA continuation coverage.
- Send in a copy of the Social Security ruling letter within 60 days of your receipt of the Social Security ruling. You must submit this letter to the plan before your 18 month period of continuation expires.
While most COBRA qualified beneficiaries only qualify for an 18 month continuation of their benefits, members who meet the above requirements may qualify for up to 11 additional months for a total of 29 months.
In addition, if your spouse or dependent child experiences a second Qualifying Event during the initial term, you can extend COBRA coverage for them by an additional 18 months, for a total of 36 months. A second Qualifying Event for your spouse or child would be:
- Death of a covered employee
- Divorce or legal separation of a covered employee and spouse
- Covered employee's becoming entitled to Medicare
- Loss of dependent child status under the plan
The second event can be a second Qualifying Event only if it would have caused your spouse or dependent child to lose coverage under the plan in the absence of the first Qualifying Event. If a second Qualifying Event occurs, you will need to notify the plan.
Do I Qualify for an Extension?
If you meet the following criteria, you may qualify for a disability extension of your COBRA coverage continuation period.
- You must experience a COBRA qualifying event
- You must be disabled at some point during the first sixty days of your COBRA continuation coverage
- You (the covered employee) must be determined to be disabled under the Social Security Act
- You must notify Rocky Mountain Reserve about your disability within sixty days of the date your disability determination is issued
How Long is the Extension?
Depending on your circumstances, your disability may qualify you for an extension of up to 11 months in addition to the normal 18-month COBRA continuation period, for a total of 29 months.
How Can I Find Out if I Qualify?
If you think you may qualify for a disability extension, email a copy of your Award Letter (also known as the Disability Determination Letter) that you received from the Social Security Administration to email@example.com. You will receive an email response once the documentation has been reviewed by our COBRA department.