How To Extend COBRA: Qualify for Extended COBRA Continuation Coverage
Under certain circumstances, you can have extend COBRA insurance coverage and it’s crucial that you take advantage of this if you qualify. In order to qualify for additional months of COBRA coverage, the beneficiary must have a ruling by the Social Security Administration that the beneficiary became disabled within the first 60 days of COBRA continuation coverage. Then the beneficiary must send the plan a copy of the SSA ruling letter within 60 days of receipt but prior to the expiration of the 18 month period (of original COBRA coverage). If they do both then the entire family qualifies for an additional 11 months of COBRA coverage, though the insurance plan can charge 150% of the original premium cost for that extended period.