Arkansas Life and Health Insurance Practice Exam

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.