Continuation privileges under group disability policies are designed to allow coverage for up to how many months?

• A. Twelve Months
• B. Twenty-Four Months
• C. Six Months
• D. Eighteen Months

Answer: (D)

Continuation privileges let you keep group disability coverage after a qualifying event (such as leaving the job due to disability) for a limited period. The idea is to provide protection during a transitional time until other benefits or coverage kick in, without letting coverage extend indefinitely. In standard group disability policies, this continuation can last up to eighteen months. During that period, premiums typically must be paid and the benefits follow the policy’s definitions and rules. The 18-month limit balances giving meaningful protection with the insurer’s need to manage risk and cost, which is why it’s the typical maximum you’ll see. Shorter or longer durations aren’t as common in these provisions.