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What Happens To My Health Insurance When I Go On Disability?

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If you have health insurance coverage through your employer, you may be eligible for COBRA continuation coverage when you are no longer able to work.  Through COBRA, you can extend your coverage through the employer’s health plan for 18 months.  If the Social Security Administration (“SSA”) determines that you became disabled within 60 days of losing health insurance coverage and the health plan administrator is informed of SSA’s decision within 60 days of the receipt of the Notice of Award, then you can extend COBRA coverage an additional 11 months after the initial 18-month period ends.  This extension recognizes that it is 29 months before you can become eligible for Medicare.  Besides COBRA, you can also obtain health insurance coverage through Covered California.

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