What is required to qualify for the disability extension?

• A. The plan must be notified within 7 days of disability determination
• B. SSA determines disability and the plan is notified within 60 days of that determination
• C. The beneficiary must lose employment status
• D. The plan must be renewed annually

Answer: (B)

Disability extension hinges on a determination of disability by the Social Security Administration and timely notice to the plan. When SSA determines that you are disabled, you must notify the COBRA plan within 60 days of that determination. If you meet this timing, you can extend COBRA coverage from the usual 18 months to up to 29 months for you and eligible dependents. The key idea is that the trigger for the extension is SSA’s disability finding, plus a 60-day notice window to the plan. If either part isn’t met, the extension doesn’t apply. This isn’t about losing employment status or annual renewals; it’s about SSA’s disability determination and communicating that to the plan on time.