Arkansas Life and Health Insurance Practice Exam

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To be entitled to an additional 120 days of group coverage upon termination, how long must the insured have been covered?

  1. 1 month

  2. 3 months

  3. 6 months

  4. 12 months

The correct answer is: 3 months

In order to be entitled to an additional 120 days of group coverage upon termination, the insured must have been covered for 3 months. This is because the Consolidated Omnibus Budget Reconciliation Act (COBRA) allows for an additional 120 days of coverage after termination for individuals who have been covered for at least 3 months prior to termination. This provision ensures that individuals have a continuation of coverage for a certain period after leaving their group health insurance plan. Therefore, option B is the correct answer.

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