The disability extension under COBRA applies if the beneficiary becomes disabled during the qualifying event or within how many days after COBRA begins?

• A. 60 days
• B. 30 days
• C. 90 days
• D. 120 days

Answer: (A)

The key idea is the timing of the disability extension. Under COBRA, a beneficiary can receive an extra 11 months of coverage if they become disabled (as determined by Social Security) within the first 60 days of COBRA continuation coverage. That early window is what triggers the extension, adding up to 29 months of total coverage (the usual 18 months plus up to 11 more). If the disability is not determined within that 60-day period, the extension does not apply. So the correct timing is 60 days after COBRA begins.