Depending on the circumstances, you and/or your dependents may be eligible to continue coverage under COBRA for 18, 29, or 36 months.
18 months – If you are an employee that has lost coverage due to reduction in hours or termination of employment, you and any covered dependents may be eligible to continue coverage under COBRA for up to 18 months.
The 18-month continuation period may be extended to a maximum of 36 months for covered dependents if a second qualifying event occurs during the 18-month continuation period. Second qualifying events may include death of the former employee, divorce or legal separation, and loss of dependent status under the plan. It is your responsibility to notify Discovery Benefits if you experience one of these events while on COBRA. Notification must be made within 60 days of the second qualifying event. Submit a completed Second Qualifying Event Form PDF along with a copy of the death certificate or the divorce decree, if applicable.
29 months – If you or one of your covered dependents is determined by the Social Security Administration to have been totally disabled on the date the Covered Person became eligible for continued coverage or within the initial 18 months of coverage, coverage under this Plan for all qualified beneficiaries with respect to the qualifying event may be extended at his or her own expense up to a maximum of 29 months from the date coverage would have otherwise terminated.
Premiums during the additional 11 months of coverage may be at a substantially higher rate.
In order to apply for the disability extension, submit a completed Social Security Disability Extension (SSDE) Form PDF along with a copy of the determination letter.
36 months – When covered dependents lose coverage due to death of the employee, divorce or legal separation, loss of dependent status under the plan, or the employee becoming covered by Medicare, they may be eligible to continue coverage under COBRA for up to 36 months.
Please contact Discovery Benefits if any of the circumstances apply to you.