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 4. Obtain Immediate Written Confirmation Of Your Extended Coverage.
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If the employer wants to challenge your request at a later date, you have time to argue the matter while you still have insurance. Don't wait until COBRA ends to have this battle if there's going to be one.
SAMPLE COVER LETTER TO CLAIM DISABILITY EXTENSION
Your address
Date
Name and address of addressed party
Dear XXXX(Administrator/Employer):
Enclosed is a copy of the Notice of Award from the Social Security Administration. You will see that Social Security declared the onset date of my disability to be XX/XX/XXXX.
This should qualify me for the extension of my health insurance for an additional eleven months.
Please confirm to me in writing that you have received a copy of the Award and that you are extending my COBRA coverage.
Thank you,
Your name
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