If the SSA determines the employee is no longer disabled, what must the employee do?

• A. Notify the plan administrator
• B. File a new disability claim with SSA
• C. Continue COBRA enrollment for 12 months regardless
• D. Notify the employer’s HR department only if required

Answer: (A)

When a COBRA participant is on a disability-based extension, changes in disability status need to be communicated to the plan administrator. If SSA later determines that the employee is no longer disabled, the employee must notify the plan administrator of this determination. This lets the plan adjust the continuation coverage appropriately, ending the disability extension and aligning with the standard COBRA period.

Filing a new SSA disability claim isn’t appropriate since SSA has already concluded the status, and continuing enrollment for a fixed extra period regardless of status isn’t correct because the extension depends on ongoing disability status. Notifying only the employer’s HR won’t ensure the plan administrator has the authority to adjust COBRA benefits and premiums.