Continuation privileges under group disability insurance allow coverage to continue for up to how many months?

• A. Eighteen months
• B. Six months
• C. Twelve months
• D. Twenty-four months

Answer: (A)

Continuation privileges in group disability insurance provide a limited window during which coverage continues when your employment status changes or you’re transitioning between plans, so you don’t lose disability protection during that period. The typical maximum duration for this extended coverage is eighteen months. This 18-month period gives time to secure alternative coverage or for disability benefits to come into play without a lapse, while still keeping the insurer’s risk manageable. Shorter durations, like six or twelve months, aren’t the standard for this feature, and twenty-four months is longer than commonly offered in these continuation provisions.