MMC Benefits Handbook
Extending Benefits Due to Disability
If a family member or I become totally disabled while on COBRA coverage, can we extend benefits?
If you (or a family member) are disabled as determined by the Social Security Administration on the date COBRA coverage begins or within the first 60 days of COBRA coverage, your COBRA coverage can be extended for an additional 11 months, for a total of 29 months, or up to 36 months if there is a second qualifying event during the 29 month period.
Note that your premiums are increased by an additional 50 percent for the additional 11 months from the beginning of the 19th month through the end of the 29th month. If the second qualifying event occurs within the first 18 months of COBRA coverage, you pay the full group rate on an after-tax basis plus an additional two percent for administrative expenses from the beginning of the 19th month through the end of the 36th month. If a second qualifying event occurs within the 19th through 29th month of COBRA coverage extended for disability, your premiums will be increased by an additional 50 percent through the end of the 36th month.
If you or a family member becomes totally disabled after the first 60 days of COBRA coverage, you or that family member are not eligible for an 11-month COBRA disability extension.
When do I need to inform the Company of my disability?
You must inform the Company's COBRA Administrator of the Social Security Administration's determination of disability within the first 60 days after the Social Security Administration's determination and before the end of the 18-month COBRA coverage period.