Under COBRA, how long does standard continuation last after a qualifying event?

• A. 18 months
• B. 12 months
• C. 24 months
• D. 36 months

Answer: (A)

Under COBRA, the baseline continuation period after a qualifying event is 18 months. This means that once a qualifying event causes the loss of employer-sponsored coverage, the covered individual can keep that health plan for up to 18 months by paying the full premium (plus any actual administrative fees) to the plan. There are potential extensions, such as an additional period if a Social Security disability determination is made within 60 days of the event, which can extend coverage to 29 months for the disabled person and their dependents, and a possible extension to 36 months if another qualifying event occurs during the initial period. But the standard duration remains 18 months.