Which COBRA duration applies to a dependent due to death or divorce?

• A. 18 months
• B. 29 months
• C. 36 months
• D. 12 months

Answer: (C)

COBRA continuation periods depend on the qualifying event. For most events that end the employee’s coverage, the standard continuation length is 18 months. When the event is death of the covered employee or a divorce (or legal separation), the period for the affected dependent or spouse can extend to 36 months. This longer duration helps through major life changes by providing a longer bridge to other coverage options. To actually receive this extension, the qualified beneficiary must elect COBRA and pay the premiums, and the extension ends if the plan terminates or if other coverage becomes available (like through a new employer or Medicare). So, for a dependent affected by death or divorce, the continuation can last up to 36 months.