What Won't COBRA Cover?

While it does offer some coverage for just about everything else, your COBRA coverage won’t include life or disability benefits. Your former employer might offer you the opportunity to continue for life and disability continuance coverage.

But, if they aren’t able to, you may be eligible for free disability coverage through your state—unfortunately, most state sponsored plans tend to pay less than individual or group sponsored benefit plans.

The same state office that administers unemployment benefits more often than not also administers disability insurance benefits. The Federal Social Security Administration also offers a disability benefit. Social Security Administration sponsored disability benefits are fairly limited, and take a year to qualify for in most cases.