Tennessee Insurance Practice Exam

Under COBRA regulations, what is the maximum number of months that a surviving spouse and dependents can continue group health coverage after an employee's death?

1. 24 months

2. 12 months

3. 36 months

4. 18 months

The correct answer is: 36 months

Under COBRA (Consolidated Omnibus Budget Reconciliation Act) regulations, the maximum duration for which a surviving spouse and dependents can continue group health coverage following an employee’s death is 36 months. This provision ensures that the family members of the deceased employee can maintain crucial health insurance coverage during a period of transition and adjustment after the loss of the primary insured individual. COBRA was established to provide employees and their families with the right to continue their group health plan coverage under certain circumstances, such as the death of the employee. In the event of the employee's death, the law allows for an extended coverage period specifically tailored to support the surviving family members. This extended coverage is significantly longer than that offered for other qualifying events, such as job loss or reduction in hours, which typically provide a maximum of 18 months of coverage. By allowing 36 months, the law recognizes the potential hardships faced by family members and provides them with more time to seek alternative health insurance options or make necessary life adjustments.