Content Overview 
- Summary
- Step 1. Apply For Social Security Disability Insurance (SSDI) Right Away -- Even If You're Not Eligible To Receive SSDI Benefits.
- Step 2. When You Apply For SSDI, Keep In Mind That The Onset Date Of Your Disability Must Be Within 60 Days Of The Loss Of Regular Coverage.
- Step 3. Present Your SSDI Notice Of Award Letter To The Plan Administrator Within 60 Days Of Receiving It And During The Initial 18 Months Of COBRA.
- Step 4. Obtain Immediate Written Confirmation Of Your Extended Coverage.
How To Apply For A COBRA Extension Because of Disability
Step 3. Present Your SSDI Notice Of Award Letter To The Plan Administrator Within 60 Days Of Receiving It And During The Initial 18 Months Of COBRA.
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- Get your award letter to the employer/administrator promptly.
- If you mail the award letter, mail by certified mail.
- Include a cover letter requesting confirmation that you qualify for the extension. (See Sample Letter below).
- If you're late getting the Social Security Disability letter to the employer, and the employer agrees to look at it, send the Social Security award letter with a cover letter, but don't be specific about the details. Just say something general, such as: Here's the award form from Social Security. Please send written confirmation that I qualify for the COBRA/OBRA extension.
- If you deliver Social Security's award letter in person, get a receipt. Ask for written confirmation that you qualify for the extension.
- Keep a copy of the award letter and cover letter for your files.
- Whether you request the extension in writing or in person, don't mention how much the employer can charge you. Some employers aren't aware they can add-on a surcharge. It's not your job to educate them.
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