How Long MPTN COBRA Coverage Lasts

The length of time MPTN COBRA health coverage can last depends on the event that caused your eligibility.

For 18 Months

MPTN COBRA health coverage can continue for up to 18 months if you and/or your covered family members would otherwise lose the health coverage you  had through MPTN because of:

• your reduction in hours, or
• your change from active work status due to your:
  • resignation,
  • termination (except for termination for gross misconduct),
  • disability, or
  • leave of absence.

If you are a reservist and are called to active duty, each qualified beneficiary will have the opportunity to continue coverage for a maximum period of 24 months.

For 29 Months

MPTN COBRA health coverage can continue for up to a total of 29 months if:

• within the first 60 days of MPTN COBRA health coverage, you or a family member eligible for MPTN COBRA was determined to be permanently disabled according to the Social Security Administration, and
• you or your family member notifies the MPTN Human Resources office before the end of the initial 18-month MPTN COBRA period, and within two months of the date of the determination of disability notification letter. 

For 36 Months

MPTN COBRA health coverage for your dependents can continue for up to a total of 36 months from the date any one of the following events occurs:

• Your death,
• Your divorce,
• Your entitlement to Medicare, or
• Your family member ceases to be eligible for coverage.

If any of these events occurs while a family member is covered under MPTN COBRA (because of an 18-month event described previously), MPTN COBRA health care coverage may be continued for up to a total of 36 months from the date of the first event.

For More Information…

about MPTN COBRA and FSAs, see “Health Care Flexible Spending Account” in the Flexible Spending Accounts section.

Eligible for Medicare

If you become entitled to Medicare benefits and then lose medical coverage within the next 18 months because you are terminated, or your hours are reduced, your covered family members can purchase MPTN COBRA health care coverage for a maximum of 36 months from the date you became eligible for Medicare.

If You Die

If you die, your covered family members will be offered the opportunity to elect up to 36 months of MPTN COBRA health care coverage.

MPTN COBRA and FSAs

If you become eligible to continue your health care benefits under MPTN COBRA, you may continue your contributions to your Health Care Flexible Spending Account (FSA), but only on an after-tax basis and only until the end of the plan year in which you become eligible for MPTN COBRA.