What is the typical duration for benefits under COBRA after employment is terminated?

The correct answer is based on the provisions of COBRA, which stands for the Consolidated Omnibus Budget Reconciliation Act. When an employee's employment is terminated (for reasons other than gross misconduct), they typically have the right to continue their health insurance coverage for up to 18 months. This coverage allows individuals and their eligible dependents to maintain their group health insurance, providing a critical safety net during the transition period after job loss.

It is important to note that while some situations related to qualifying events can extend the coverage period—such as disability or having multiple qualifying events—under typical circumstances, 18 months is the standard duration for benefits following employment termination. This ensures that individuals have a significant length of time to seek new employment and secure alternative health coverage without facing an immediate lapse in their insurance protection.

In contrast to the other timeframes presented, such as 30 days, 60 days, or 12 months, none accurately reflect the statutory requirement established by COBRA for maintaining health insurance after job loss. These shorter durations do not meet the safeguards that COBRA intends to provide for individuals navigating unexpected employment changes.