How long can employees continue group health coverage under COBRA after termination?

Under the Consolidated Omnibus Budget Reconciliation Act (COBRA), employees who experience a qualifying event such as termination or reduction in work hours have the option to continue their group health insurance coverage for a specific period. For most employees, this continuation of coverage lasts for 18 months from the date of the qualifying event. This rule is designed to provide temporary health insurance assistance to individuals who might otherwise lose their coverage, giving them time to transition to other insurance options or health plans.

The 18-month period under COBRA can be extended in certain situations, such as if a disability is determined within the first 60 days of the employee losing coverage, or if other qualifying events occur during the initial coverage period. However, the standard duration for continuation of coverage due to termination is 18 months, making it a critical knowledge point for anyone studying health insurance policies and COBRA regulations.