1. What is COBRA Coverage Duration?

The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families the right to continue group health benefits for limited periods of 18 months under certain qualifying events like job loss or reduction in hours.

2. How Does the Calculator Work?

The calculator determines the standard COBRA coverage duration:

Where:

• 18 months — Standard coverage period for most qualifying events

Explanation: The 18-month period begins on the date of the qualifying event and continues for 18 calendar months.

3. Importance of COBRA Duration Calculation

Details: Accurate duration calculation helps beneficiaries plan their health coverage transition and avoid gaps in insurance.

4. Using the Calculator

Tips: Enter the date of the qualifying event (like job termination) to calculate when your COBRA coverage will end.

5. Frequently Asked Questions (FAQ)

Q1: Is COBRA always 18 months?
A: 18 months is standard, but some circumstances (like second qualifying events) may extend coverage to 36 months.

Q2: When does the 18-month period start?
A: It begins on the date of the qualifying event, not when you elect coverage.

Q3: Can COBRA be terminated early?
A: Yes, if premiums aren't paid or if you get other group coverage.

Q4: What happens after 18 months?
A: You may be eligible to convert to an individual policy or seek coverage through the Health Insurance Marketplace.

Q5: Are there state-specific COBRA laws?
A: Some states have "mini-COBRA" laws that may provide longer coverage for small employers not covered by federal COBRA.