What is the maximum COBRA duration when a disability extension is used and a second qualifying event occurs?

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Multiple Choice

What is the maximum COBRA duration when a disability extension is used and a second qualifying event occurs?

Explanation:
COBRA continuation has a basic 18-month window after a qualifying event, and if you’re disabled, you can push that out to 29 months with a disability extension. When a second qualifying event occurs while you’re on COBRA, the total time you can be covered cannot exceed 36 months from the original qualifying event. So, even though disability can extend the period to 29 months, a second qualifying event caps the overall maximum at 36 months. For example, if the initial qualifying event is termination and you’re disabled, you could reach up to 29 months; if during that time another event happens (like a divorce or loss of dependent status), coverage can continue up to a total of 36 months from the original event.

COBRA continuation has a basic 18-month window after a qualifying event, and if you’re disabled, you can push that out to 29 months with a disability extension. When a second qualifying event occurs while you’re on COBRA, the total time you can be covered cannot exceed 36 months from the original qualifying event. So, even though disability can extend the period to 29 months, a second qualifying event caps the overall maximum at 36 months. For example, if the initial qualifying event is termination and you’re disabled, you could reach up to 29 months; if during that time another event happens (like a divorce or loss of dependent status), coverage can continue up to a total of 36 months from the original event.

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