How long does COBRA coverage typically last for employees after termination?

COBRA, which stands for the Consolidated Omnibus Budget Reconciliation Act, is a federal law that allows employees to continue their health insurance coverage after leaving their job, provided they were part of a group health plan. Typically, COBRA coverage lasts for 18 months for employees who have been terminated, voluntarily or involuntarily, except in cases of gross misconduct.

This 18-month period is designed to give former employees time to transition between jobs or seek alternative health insurance coverage without interruption. After this initial period, coverage may be extended under certain circumstances, such as disability, but the standard duration for most employees is indeed 18 months.

The other options extend beyond the typical COBRA coverage duration for employees who are simply terminated from employment, which is why they do not apply in this situation.