Final Answer:
COBRA, as per the Consolidated Omnibus Budget Reconciliation Act, offers health insurance continuation coverage for up to 18 months for employees experiencing involuntary termination.Thus option d is the correct option.
Step-by-step explanation:
The correct answer is D) 18 months. COBRA, or the Consolidated Omnibus Budget Reconciliation Act, provides health insurance continuation coverage for up to 18 months for an employee whose employment terminated involuntarily.
This coverage ensures that individuals, despite losing their job, can maintain access to the employer-sponsored health insurance plan for an extended period. The 18-month duration is crucial for employees and their dependents to bridge the gap between jobs and secure continuous health coverage during times of transition.
COBRA's 18-month coverage period can be extended under certain circumstances. For instance, if the employee is disabled at the time of termination, the coverage may be extended to 29 months. Additionally, if a qualifying event, such as the death of the covered employee or divorce, occurs during the initial 18-month period, it may lead to an extension of coverage for dependents. I
t's important for individuals to understand the specific circumstances that may impact the duration of COBRA coverage and to make informed decisions regarding their health insurance options post-employment. Overall, COBRA plays a crucial role in providing a safety net for individuals facing involuntary job loss, ensuring continued access to essential health benefits during a critical period of transition.
Therefore option d is the correct option.