What is the maximum COBRA coverage duration for an employee who experiences termination or reduction in work hours?

The maximum COBRA coverage duration for an employee who experiences termination or a reduction in work hours is indeed 18 months. The Consolidated Omnibus Budget Reconciliation Act (COBRA) allows individuals who have lost their health benefits due to specific events, including job loss or reduced hours, to maintain their health insurance coverage for a limited time.

In cases of termination (voluntary or involuntary) or reduction in hours, employees are eligible for continuation of benefits for a period of 18 months. This provision ensures that former employees have the opportunity to retain coverage while they seek new employment or adjust to their new situation.

The other durations mentioned do not apply to this particular circumstance. For instance, the 24-month period may apply to specific cases involving disability, and 36 months are typically related to the loss of dependent status or certain qualifying events for dependents. However, for the scenario of termination or reduced hours, 18 months is the established limit under COBRA.