Louisiana Contractors License Practice Exam

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Under COBRA, how long can employees extend their health insurance coverage?

24 months.
36 months.
12 months.
48 months.

The correct answer is: 36 months.

Under COBRA (Consolidated Omnibus Budget Reconciliation Act), employees have the option to extend their health insurance coverage for up to 36 months under certain qualifying events. This federal law allows individuals to continue their group health insurance benefits when they would otherwise lose them due to events such as job loss, reduction in work hours, or other life changes like divorce or the death of the covered employee. The 36-month extension provides significant protection for employees and their families during transitional periods, ensuring they are not left without necessary health coverage while they seek new employment or make other arrangements. The other durations listed—24 months, 12 months, and 48 months—are not in alignment with the provisions set by COBRA, which clearly stipulates the 36-month maximum for specific situations outlined in the law.