For how many months does continuation of coverage for group medical plans last after events like death or divorce?

The continuation of coverage for group medical plans typically lasts for 18 months after qualifying events such as the death of a covered employee or a divorce. This is in accordance with the Consolidated Omnibus Budget Reconciliation Act (COBRA), which mandates that group health plans offer covered individuals the option to continue their health insurance for a limited period following certain life events.

In the case of divorce or legal separation, the qualified individual (e.g., the ex-spouse) is entitled to continue coverage for up to 18 months. This period is designed to provide ample time for individuals to find alternative insurance coverage or make necessary health care arrangements. Other durations listed in the choices do not align with the COBRA regulations, which clearly specify the 18-month continuation for these events, underscoring the importance of understanding the federal guidelines surrounding health insurance coverage continuity.