Under COBRA, how long can an employee continue their health insurance coverage after termination?

Under COBRA (Consolidated Omnibus Budget Reconciliation Act), an employee can continue their health insurance coverage for 18 months after termination of employment or a qualifying event that causes loss of coverage. This provision allows individuals and their families to maintain the same health benefits they had while employed, which is crucial for ensuring continued access to healthcare during a period of transition.

The 18-month coverage period applies specifically to situations such as voluntary or involuntary termination of employment (for reasons other than gross misconduct) and reduction of work hours. In some cases, such as if the employee becomes disabled during the first 18 months of COBRA coverage, this period can be extended up to 29 months, but the standard duration for most situations remains 18 months.

The other options provided do not accurately reflect the standard COBRA regulations: 12 months is less than the stipulated maximum coverage time, while 24 months and 36 months exceed the typical duration allowed under COBRA. Understanding these parameters is essential for employees to navigate their health insurance options after leaving employment.