What is the maximum period allowed for a dependent under COBRA coverage?

Under the Consolidated Omnibus Budget Reconciliation Act (COBRA), the maximum period for which a dependent can be covered is typically 36 months. This coverage is available when a qualifying event occurs, such as the death of the employee, divorce or legal separation from the employee, or the employee becoming eligible for Medicare, among other reasons.

The 36-month period allows dependents to maintain their health insurance coverage when they would otherwise lose it due to these events, providing essential support during times of transition. It’s crucial to understand that this extended coverage is designed to give dependents the opportunity to seek alternative health insurance solutions without an immediate lapse in coverage.

While certain events or coverage options may offer shorter coverage periods, the maximum duration for dependent coverage specifically is set at 36 months under COBRA regulations, making it a critical point of knowledge for anyone studying health insurance laws.